> chronically adverse culture
That's the thing. On a bike you can do everything right and still lose.
California is one of the safer places to ride given how many bikes are here and I've still had too many near misses as a trained, experienced, and conservative rider.
Most people put 1-2k miles a year on their bikes, when I was riding often I put on 2-3k/ month.
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Get a dirt bike. 10X more fun than street riding and much safer.