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.