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.