Earlier quoted context omitted.
The odds are in your favor to be honest. I live in a city of 4 million people. 10-20 cyclist die a year. I'll roll those dice when the variance is that high. I figure I bike safer than the average biker I see on the road anyhow, so my odds of survival go up even higher. Probably not a small number of those accidents involved intoxicated bikers or mentally ill; I see a lot of people, clearly out of their mind through…
Something else that improves your QALYs: cycling. Of course, it's about exercise more generally, but if you don't have time to exercise only, doing it while commuting is clever! In most locations in the world -- my null hypothesis includes the US here too -- people who commute by bike (for all its risks) live longer and are sick less than those who do not.
[0] https://en.wikipedia.org/wiki/Motor_vehicle_fatality_rate_in...