I'm okay in traffic for the most part, but I can get freaked out on technical or fast downhills. I did a long downhill in Tennessee in the rain a few years ago that I swear took a year off my life. It was all I could do to coax myself down, I was shaking so hard.

You might look into whether the League of American Bicyclists is offering a Traffic 101 class in your area. That's a good way to gain some confidence and skills.