I think the point is that I found several instances where insurance was used as an excuse when the insurer didn't actually prohibit bicycles.

Also, I'm rarely worried about being in a car dense situation like a drive-through lane (except for the fumes). I'm a heck of a lot more anxious around moving vehicles in the parking lot or out on city streets with cross traffic.

I've never felt threatened in a stop-and-go low speed situation where traffic was controlled with a one-way curbed lane where bikes would be directly behind the car (i.e., not trying to pass the car). Drive-thru lane is a piece o' cake compared to riding almost any place else. Pfft.