As for blogging. It's core to who I am. I did it before 42Floors, and I'll continue to do it for as long as it brings me meaning. I've long since understood not everyone appreciates it. But I do.
The 4 reasons you listed were the exact reasons I was waiting to take the leap. I've finally found enough ways to mitigate the "risk" of starting.
Let me know if you can chat some more.