[wolverine876]

> one of the things you'd learn is the extent to which serious cyclists minimize the risks

At a social event which happened to include many members of the local bicycle club, I observed: Almost everyone I know who bicycles regularly has been hospitalized due to a bicycle-car accident. Is that true? Yes, they all agreed, that's about right.

IME, they don't minimize risks well. There's no safe way to ride in traffic unless it's moving near bicycle-speed. However, there are side streets, etc., so that risk could be minimized if they wanted to do it; you can cut exposure to cars by 90% easily.