[TomSwirly]

I'm 60, and I bike everywhere.

I have a non-zero chance of getting into an accident, but on the other hand, I haven't been so fit in 30 years.

My guess is that my expected lifespan is increased by this decision. (I would add that I live in a very bike-friendly city.)

---

There's a further ethical calculation I would do, which is that using a car is wildly irresponsible giving that we are systematically eating through our resources and destroying our climate and with it our biosphere. (Electric cars are better, but still tremendously consumptive of resources.)

So even if I were less safe and the fitness issue were less important, I would still choose not to use a car, like I have chosen for my entire life.