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Found any lawsuits by a badguy who got shot by homeowner or other citizen in self-defense? I've seen quite a few. I guess that means we should cower in the corner allowing the bad guys to have their way with us for fear they might (ooooooh aaaaaaah) call a lawyer.
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Non sequitur.
Defending one's life may result in a lawsuit, but one's life isn't the sort of thing you can replace for a few hundred dollars at the bike store.
The idea that it's ill-advised to risk a lawsuit over a bicycle doesn't come close to implying that it's ill-advised to risk a lawsuit if the alternative is serious injury or death.