Update: Ok I decided to take a chance and ended up riding at a local school which was well lighted and had a couple of cars in the lot (most likely the cleaning crew). I got about 25 minutes in and it felt good.

I still have to buy a light and reflective tape before I can ride on any public roadways but at least it was a start.

I also looked into 2 gyms. The prices were a little outrageous so I am going to try and see if I can continue riding around the school. If I do this again, I will need something to cover my ears. My ears were the only part of me that were cold!