You don't sound like a "wimp" at all. Very brave of you to continue getting back on the bike after having more than one accident. Surely your husband must be concerned for your wellbeing? I don't know your age but certainly a fall can be very much more problematic for older people.
I have a similar dilemma. We bought bikes a couple of years ago and went out on them a few times. Since then my husband had a major operation and so the bikes have been sitting unused for quite some time. To be honest, I don't really enjoy cycling and I'm very nervous. I can just about cope if there are no people around and I get a "clear run" but I tend to panic if someone crosses my path - a little child or a dog. I haven't fallen off yet but I'm fearful of it happening, or of hurting someone. My next door neighbour is always on her bike and is a very confident cyclist but even she fell off a couple of years ago when her bike slid on wet mud and she broke her arm. My friend went out with her grandson a week or so ago and came a cropper. Hurt her ribs and says she won't risk having an accident again, at least not during this time when hospitals may be overstretched and not the best place to be anyway.
What's wrong with a brisk walk - less hazardous and more time to enjoy the scenery rather than worry about crashing into something or someone?
I do feel for you.
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