Those are the two biggest obstacles for me personally, as well. I live in Providence and it is VERY unfriendly to bikes. I routinely get honked at for going slowly (10-15 relative to what cars want, 30ish). Cars don't look out for me, there are often "bike lanes" that are really just painted pictures of bikes (wow, such safety), and there are hardly ANY other bikers. Then, I get to work and it's just a run of the mill government office, no shower, no bike room, no bike racks...