My agenda? Manipulation and misunderstanding of numbers and poorly defined/gathered stats to misrepresent risk, especially bicycle riding risk,raises my hackles. I used to give instruction on managing risk in an industrial setting; the numbers, stats and analyses bandied about on BF to demonstrate relative risk and "sell" the effectiveness of various countermeasures usually only demonstrates the posters' obtuseness or ignorance of the subject of risk determination.

Extrapolating anything about "most riders" from what you read from the narrow, self selecting slice of the bicycling population found on BF, especially the Commuting or A & S lists may be leading you astray. From what I see on BF Commuting, the posters are for the most part, quite unrepresentative of the bicycling population as a whole in almost every metric both in personal and equipment characteristics, as well as typical cycling routines.