I feel the same way. My only limit is a self imposed one, since I live with my fiancé.
She has never been one to stand in the way of my cycling habits, but I know she worries about me. I just hate wasting gas driving to work, plus I miss the rush of the ride to work (about 4 miles).
I ride in a bit of a rural area, but one that is frequented by cyclists. I have a superflash and another bright blinkie in back, a super spot and spot in front, and a fair amount of reflective tape.
9-10pm was an easy transition, but 10-11 is harder for me mentally for some reason.