Oh yes... I am also a chicken on the bike. One of the roads on the course got a nice new layer of chip seal the other day. I was scared to death when I hit that section of the course. Lucky for me, I got my first power meter the other day and I was able to look at it afterwards to see how lame I actually am. My power dropped significantly and my speed decreased by 5 mph.
What's the consensus... am I a wimp or is there some secret I haven't discovered yet? What is that token of knowledge that allows us to push past our fears and reach those superhuman states? Where is the switch that you hit to tell yourself to go harder instead of staying in your comfort zone?