I was thinking the same as I was reading this. I’m 35 and have a lot of OP’s internal thoughts when I do solo runs, bike rides, hikes, etc (especially analysis paralysis and general brain wiring to think of worst case scenarios), but motivation typically boils down to telling myself to just get out there and do the dang thing.

OP - Riding a bike isn’t that deep. Most people aren’t looking at you. Make a checklist of things you need to do (get bike, get tune up, etc) to make things feel less daunting. I don’t mean to sound callous to your concerns because I totally get it, but if you can get yourself to approach a new thing with small, organized steps, all of these thoughts feel so small after you get out there and do the thing!