also..
We are typical humans when it comes to risk:
"Of the three times I've fallen off bikes and the two occasions a car hit me my head never even touched the ground or the vehicle" - The risk is no less real because it hasn't happened to you today, or yesterday etc
"I think risk and perception of risk and what you are comfortable with changes from day to day" - lazy risk management - they're basically the same for humans. A better question to ask yourself is not "how safe do I feel today" (passive/fuzzy) rather "how do I feel about living with the consequences" (mitigation)
Try this for enlightenment.
"Fooled by Randomness" - Nassim Nicholas Taleb
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