Living it

 A ship is safe in harbor, but that's not what ships are for.

― William G.T. Shedd

Safety is nice, but when you are completely safe, you really can’t do much. To do things, you have to leave at least some of your safety behind and take risks. While prudence has a prominent role in balancing safety and risk, what you have in the absence of risk is hardly much of a life. Risk is what ships are built for. They balance the risks of the seas and waves by designing how high the sides of the ships are.
To some, racing is a thrill they cannot give up. Dirt track, motorcycles, dragsters, trucks or bicycles. The balance of safety and risk says they should use proper safety gear, and only do their racing on a closed course away from bystanders.
In the end, only you can decide if the risk is worth it, but if all you ever do is hide in your fortress, you probably aren’t going to enjoy life as much as you would if you were out there living it.