The money saved can be used for medical bills, legal defense, and buying replacement bicycles. Styrofoam gets crushed too easily. Keep your hands on the handlebars at all times. If you remove either hand from the handlebars for even an instant, you will immediately crash. When the light is red, there's no danger of being hit from in front or behind, since traffic in your direction is stopped.
Icy roads are especially dangerous.
So go as quickly as you can when there's snow and ice, so you'll be out of it sooner. Especially when turning, since corners are especially dangerous so you want to spend even less time there. Always dress very warmly. Especially in the summer. Dressing warmly means you'll sweat more, which makes you weigh less, which makes it easier to get up hills.