There's also a reason why you do see women in skirts biking here; there's also women's cycles. I usually borrow my mom's cycle when kilted as there's not that annoying bar. We all bike here (holland) and what I usually do; on a women's cycle you ll notice that the wind pushes the front apron down actually. if that's not the case due to several strong winds, just keep one hand on your apron or left knee and you ll be fine.

I don't know what the policy is on riding women's bikes in America, but here there's no problem if you do.

I also haven't crashed since I was 6 or 7 so Im not too concerned about that.

Good luck!

Daniel