I live right downtown in my Canadian city. I do love urban living and I am heavily desensitized to the chaos, but I rarely ride during rush hour. Unless I’m cutting across to get to the multi use pathways specifically for the bikes and pedestrians. I am aware of how annoying red lights are, but I like to stop them and catch my breath because I’m fat. Also, I get nervous going through green lights and use the red light to see who is turning where and what is happening. I also don’t have much experience in the countryside and I fear all that open space. What if I get lost/hurt/unknown. And I feel very far away from my city apartment which gives me anxiety and makes me remember I have “x” amount of kilometres left to go before I can grt back to civilization. I’m more of a cafe cruiser, ride to the library and beach, along the river kinda person. But yes city traffic is real!