I ride a stationary bike, either the more bike-like "upright" one or the more comfy "recumbent" one, two or three times a week through the winter - less often in the summer. There are certainly differences in which muscles get used but I believe I get a good cardio workout and build general muscles that I can later tune for use on the bike - when the weather is more conducive. I keep the RPMs high (100+) and tend to do "Hill" programs that have intervals of hard work. I'll typically do 45 minutes sessions at levels 14, 15 or 16 (out of the 20) on the bikes at my gym. YMMV.