Yeah I try not to bicycle on roads without a dedicated bike line too. If I were in a city with European-style dedicated and separated bike lines I would use them gladly. But I am not, so when the choice is between risking my life (in the most literal sense, not like "I am risking my life by voicing an unpopular opinion on Twitter" but literally risking being killed) and getting a car, I know what I choose.

If and when the circumstances change, the calculus may change too.