For example, there is a huge disparity in the range of safety equipment, level of situational awareness, and caution used by cyclists. Some are very conscientious, use lights, even mirrors, pay close attention to traffic, etc. while others take a cavalier attitude to safety, ignore the laws, are practically invisible on the road, etc. The statistics average both of those extremes into an aggregate risk level (though the same is true for cars as well, which is worth considering). Also, people have the ability to judge which routes they travel and to choose the safest ones.

Overall I would never discourage people from cycling, though there are some routes that I myself would be hesitant to take due to the lack of alternatives for safe places to travel. I commuted to work by bicycle for about a year and a half in Alabama, which is considered the worst state in the US to ride a bike (and I wouldn't disagree). In most cases there are reasonable and safe bike commuting routes, often on less trafficked side streets from main thoroughfares, though there are some cities where it's difficult to travel by bike unless you are a very skilled and aggressive cyclist.