- You can't breath the tail pipe on a car either. - Or get hit by a bus, the front end of which makes no noise. - or hit a pedestrian doing something unpredictable

Yeah at least in NYC there are bike paths and greenways everywhere. My normal rides are 30 - 40 miles, and of that 2.8 miles are on roads but only around 500 meters aren’t in a bike lane. It’s still dangerous right now in NYC, but in another 5 years we’ll likely see the KSI rate go down by another 25% due to a combination of bike infrastructure investment and laws mandating safer cars and trucks.

Even with the current risks though, the years you’re adding to your life expectancy still greatly outweigh the additional micromorts you’re taking on.

I think OP's point remains though, right? A stationary bike gives all the upsides (increase in health) and 0 of the downsides of riding outside (death).

And yet none of the many outdoors cyclists who switch to indoor for the worst months of winter stay indoor when the seasons change again. That list of upsides cannot be complete.