I have done some co-driving at very basic local rally events. Even so, as soon as the stage starts, the focus is on reading the pace notes and, at least for me, there was no mental capacity left to worry about crashing. I thought my driver had more to lose if we crashed, so it was in his best to not do that
Saying that, apparently when Peugeot Sport tallied up their part sales, they discovered that they sold twice as many bodywork parts on the co-driver side, as they did the driver's side. Hmmmmm.