[alexkus]

> how Would you explain all this stuff about averages to the daughter of the man whose bike got ran over by a truck

The greatly increased chances of seeing any grandchildren I may end up having is way more important, to me anyway, than the tiny increase in risk that I may not see my children reach adulthood (or even their teenage years).

[RogerL]

Those are not your only options. You can get exercise, and improve your health, in ways other than commuting by bike. Ways that reduce risk, not increase them, even.