[kqr]

I feel like this is the key distinction. I strongly prefer riding on roads, even when other people think it looks unsafe, for the simple reason that people on the road (generally) follow rules. You can, within reason, tell well in advance what someone is about to do.

I feel much safer in an environment where there are clear rules of engagement that are, by and large, respected.

(Anecdote: my most recent crash was with a scooter, the rider of which was very inexperienced in traffic and reacted to a tight spot by doing exactly the opposite of what they teach you in driver's ed. Feel free to guess whether this was on the road or on a bike path...)