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From a European perspective (I use car/bicycle/train/longboard), a few pointers rather than a pro-con/list
The more people use a bicycle, even casually, The more it put pressures on local politician to do something
For short distances (<5km) in town, it's faster than the car
Gloves are more important than helmet, on the couple of fall I got, gloves protected my hands, while my head didn't hit. However, if you're in a severe accident a helmet can make the difference so I still recommend one.
Beware of your clothe, if you wear black, at night, without lights, you call for problem, and I can see how even good faith motorists can hit you.
Paint isn't infrastructure but at least remind the motorists that you have the right to be there. I can see how the mayor call the infrastructure director and ask them for bike lane without any budget, but it sucks
Be a bit agressive, and look for eye-contact before passing between car, keep distance from parked car, they can open a door, If you don't think a car can pass you with a safe distance (small urban streets) stay in the middle of the road, and stop to the side when you can to let the car pass you.
A backpack, or bike pack helps a lot carrying groceries, not really an excuse
The problem isn't that much the winter (unless you live on a really cold place) but the rain, good clothe can help, but still.
Just wanted to comment on this bit.
Gloves will save you from very annoying and painful scratches on your hands, but helmet can save you from becoming vegetable or dead. I don't think there's any competition for which is more important, helmet any day.
Still, definitely recommend both but at very least a helmet
What kind of gloves do you use?
In Summer, I use "weight lifting fingerless gloves", it's very similar from "cycling fingerless gloves" but half of the price. In winter, I use "light" outdoor gloves.
Upvote because longboard
Wanted to reply to OP. Moving my post.