Ride was great, residential neighborhoods were quiet and slow. One road with trucks and everyone drove respectfully around me. Only took 10 minutes longer than commute by car (25% longer). After I get in better shape, should be able to ride about twice as fast in areas I don't need to stop. I'm betting I'll get it to the amount of time it takes to drive!
Forgot: bike lock, belt for pants and deodorant.
Lower back is a little tender, but I figure it'll also improve as I get in shape.