These are anecdotes, but every person I know that commutes to work on a bike has had an incident of some kind. For awhile I knew one person that didn't fall into that category, but about a month ago his luck changed. Fortunately for him it was only scrapes for him. Others have permanent hand injury (pushed into a concrete barrier on the interstate to avoid being crushed by a car), foot injuries, and so on.

My cousin died on a track; I don't know what the data is for rates in that regard.

I used to ride, but it just doesn't seem worth it to me anymore. (I was also injured in a crash; in fact, every person in my family that rides has been. The brain trauma victim was the 'highlight' until my cousin's death).

I'm not saying someone shouldn't ride, but recognize the risks.