My wife is what I would call an occasional cyclist. I am pretty avid. We are both female. I will cycle everywhere, whether it is to work, into town, club run, or a 100 mile round trip just to go somewhere new for coffee or lunch. My wife on the other hand, might cycle into town on occasion or a few times a year, the two of us will go out for a pootle either into Bath, or if we go away for a weekend/week, we'll take the bikes to go exploring a bit further afield (but only if it's fairly flat, the wife doesn't like hills). But she is honest, riding a bike everyday just doesn't appeal to her. She likes going out for the occasional ride with me, and we'll quite often cover 30-50 miles in a day. It has nothing to do with traffic on the roads, or cat-calling, or anything of that nature. It's just not her thing. And she doesn't mind getting sweaty and gross. She's a fitness instructor for a living and in a past life, she was a full time professional dancer.
On another note, with all of the miles I do, sometimes alone, sometimes in a group, I never get cat called. Not that I've noticed anyway.