To prevent injuries, because if you are running around and exercising, if you haven't warmed up, you could pull a muscle or injure yourself. Cool downs help calm your body down and lower your heart rate.
True! People, disability or no disability, like to feel included!
You may never ride at night. It is even stated on most bicycle labels.
It needs atleast 20 minutes a day in order to have an effective cardio exercise.
If you really wanted to have a good cardio exercise that will benefit you and have a good health and healthy lifestyle, then you have to spare your 20 minutes a day.