I live in an area with good roads, good cars. We get a bike fatality a few times a year. At dusk I find even the well-lit bikes a little hard to discern. We also have some bad drivers. In the most recent fatality the lead rider of a bunch riding on a road was decapitated.

I used to ride bikes all the time as a kid but I would not make a habit of riding on our roads. It's too much of a gamble.