Both my DH and my neighbor's DH are like yours in this matter, Pooks. But Ms. Neighbor and I are like the LBS guy's wife--we do it anyway--ride our bikes on the bike trail, ride on the road, etc. Because we have a death wish? Obviously not. But because we know that life is full of risks that we take every day--I mean, judging by the motor vehicle fatality stats, I'm surprised anyone ever gets in a car at all!

And my dh is no paragon of safety himself. But we're both adults and, within reason, decide for ourselves what individual risks we're willing to take. No chasing tornadoes, though.