While I started riding on the road right from the start, it took me a long time to do certain things/ go in certain areas. I won't ride in the city; it just scares me to death. On the other hand, I don't drive in the city, either. Am I a wimp? Maybe. I just don't feel skillful enough to deal with the crazy city drivers and I guess I am not willing to risk life and limb to practice. I can deal with all of the suburban/rural drivers, but there are intersections, etc I avoid.
Now for mountain biking, yeah I fully own up to wimping out and selling my mountain bike. I was at the scared beginner level for 5 yrs. and that was enough.
As far as shops go, well they don't intimidate me at all... now.
2015 Trek Silque SSL
Specialized Oura
2011 Guru Praemio
Specialized Oura
2017 Specialized Ariel Sport