Back when I was cycling regularly, I considered the fact that I couldn't quite when I wanted a major feature. Even considering the risk of blown tires, the ability to plan routes in advance that I knew I could do even though I would want to quit half way through was a major component of my ability to push my limits.
I'd also amend point 1 with "I don't like breathing in car exhaust". If you're in a big city "just do stuff outside" is not really as fun as it sounds.