I'm nervous going over 15 MPH. Maybe that's why I'm Theslowlane. Recently, a car pulled out into the right of way, basically running the stop sign as a cyclist was coming down Barkley Blvd. I'm not sure how fast the cyclist was going, but he was killed as the car pulled into his path and he slammed into the side of the car.
The cyclist had the right of way. Details in recent Bellingham Heralds.
Still, I'm wary going down hill. There are a lot of unpredictable circumstances. Stones in the road, cars pulling out, car doors opening. I'm nervous going over 15 MPH. on my bicycle.
I'm also afraid to drive a car, period. One small mistake and one's life can turn to regret. A mistake by car is more likely to inflict harm on others. A bicycle isn't totally harm free to others, but harm is less likely. I prefer bicycling at my slow pace. Also seems easier to see who's around when one is on a bike; pedestrians, bikes, cars. Cars can have a lot of blind spots.
In spite of all this, I still feel safe on my bike, going at my slow pace.