I don't like the risk factor. I was a serious cyclist for a decade or so, and went tens of thousands of kilometers over all kinds of terrain at all hours of the day. My take away eventually was that I'd get hit by a car eventually (again), and I don't know how severe it would be. I only cycle with friends leisurely now rather than as a frequent form of exercise.

I live in a city where it's challenging to reach safe riding territory in a reasonable time frame. If I was rural and had access to trail riding (gravel, mountain), I think I'd be all over that.