The problem I see with #5 is that parking your bike outside in an unsecured area is a recipe for getting it stolen (in the US). Bike theft is rampant in America and thieves will steal anything that isn't locked to something immovable, and even then they'll steal parts off of it. Civilized countries don't have this problem, and people happily park their bikes outside, at transit stations, etc. all the time without worrying about this.

Here in DC, we have "bike lockers" at the Metro transit stations so you can park your bike there and take the train into the city. However, these lockers aren't cheap, and there aren't many of them, and they're completely enclosed so they take up a fair amount of space. By contrast, in Germany you'll find many hundreds of bikes just lined up and parked outside the S-bahn station, without people having to pay a hefty rental fee.