This is more so about picking an appropriate vehicle for the journey. Most sane rational people would opt for a car over a 125cc scooter if travelling from leeds and similarly travelling from bath to london in the rain in the dark with a pillion is definitely on my "high risk" list and the experience would have been much dryer and more comfortable in a car.
Crossing london at 8am in the morning I would pick a bike every time because car is slow and stressful. Similarly if I know I am using a congested route I will pick the bike.
It is about picking the right vehicle for the right situation. I am fortunate to have access to four vehicles because I have never got around to consolidating and I like my toys. Therefore I can elect for tank like safety in a volvo xc90 or no safety on a bike. The bike might be fun but the xc90 hard to beat for comfort or safety.
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