The time component has to factor in both the traffic while driving, and the extra time required to find available parking. I bought an electric scooter a few weeks ago, and I have come to realize that my travel time is pretty much purely a function of distance. I just roll up past traffic if there is any, lock up on any bolted down object, do my business, unlock, and roll out.

If anything, I feel like traveling at rush hour is actually strictly better for me. Cars being slow doesn't slow me down, but with the average speed being so much lower during rush hour, it seems like it makes it so if a driver hits me, it would be at a lower speed.