I'm an avid cyclist and the wear and tear is minimal. Some say it's a bit hard on the lower back but abdominal work helps that. The down side to that is finding places to ride. I'm lucky because I have plenty of wide highways with shoulders around my small town plus hike bike trails plus mountain bike trails to ride. If you're in a big city you should be able to find hike bike trails so you can stay off the streets and you should be able to find lots of cycling groups/clubs to ride with.
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