At least get your license, see how you find it that way you've got it.
Risk also depends when / where you ride I reckon, peak hour to work a few times I've done and is way more dangerous, heaps of cars out.
That being said the other day I almost got cleaned up, I'll see if I had gopro on, remember when I was raging at the car birds basically he overtook someone then they just turned into me thinking there was only one bike, actually doesn't even look bad on video :\ dam the gopro and it's wide lens!