This kind of takes off from a number of discussions we've had here, but I'm not sure I've seen it quite this way before, and I hope it's interesting/useful. I'll kick a poll in there too to make it look all quantitative and convincing. How often do you get a serious scare on the bike? I'm not talking just an annoyance, like the lady who went straight through the roundabout the other day and made me stand it up a bit and slow down to miss her but it was all pretty slow, but something that seriously gets your heart racing and has potential for an accident. Obviously your milage will vary, and your ticker may be tougher than someone else's, but I'm interested in the general prevalence. Not in the poll, but in the thread, it's probably useful to mention how much you ride and under what circumstances (i.e. daily commute in traffic vs weekend twisties or whatever).