God no! Never lose the helmet. Never, ever. When on a bike, at any point, no matter how safe you are, you're about a half-second from smashing your forehead into the pavement. Never forget that.
I love bike commuting, and would love to do it if I didn't have a 30-mile commute over the hills. As a paranoid driver though, I've noticed I have some technical problems with bike lanes.
In Portland, many streets have bike lanes along the right side of the road, between traffic and the sidewalk. All in all, I think this is preferable to forcing cyclists to ride in traffic. However, it puts me in the position of, if I want to make a right turn, effectively having to turn right across a lane of a traffic, which would be otherwise illegal if that were a lane of cars and not a lane of bikes.
If I'm in a car stopped at an intersection next to a bike lane, and want to turn right, I have to do the following:
Look left for oncoming traffic
Look ahead for oncoming traffic turning left (my right)
Look at the far-right corner for pedestrians
Look at the near-right corner for pedestrians
Look to the right of me to see if there are any cyclists also waiting
Look in my right-mirror to see if there are any cyclists approaching from behind
Look over my shoulder to double-check my blind spot
By the time I've done that, enough time has passed that I want to look left again.
There are also places where, in order to turn right, you have to move to a new lane on the other side of the bike lane (which is now marked with dotted lines). This makes me paranoid to no end. It puts me in the position of effectively merging to change across an entire lane of traffic, which again would be otherwise illegal. Bicyclists generally go slower than cars and don't maintain the same spacings, so it is harder to judge at a glance how many cyclists there are and how fast they're going (one may have been passing another) to make sure they're all out of your blind spot before you quickly barrel across their lane.
I don't know if there are better solutions aside from creating entire bike-only roads and bridges, but I think there are technical problems with bike lanes that are likely to result in accidents that are not entirely the fault of either party. I do my best as a driver to be paranoid, and still constantly worry I'm going to not manage to spot a cyclist just that one time.