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Well, I guess everyone does their own math.....
I have a motorcycle, but I drive it around my neighborhood on sunny days wearing full protective gear, never tired or under the influence. I rarely go above 45mph. It may seem lame, and sort of 'missing the point' of having a bike, but it works for me. I'm just in it to hear that beautiful Termingnoni exhaust and to give the throttle a squirt now and again.
Oddly, bicycling scares me way more than motorcycle riding. You have far less gear on, your less visible, and in city traffic with distracted drivers...yikes. I've changed my riding style in the past couple years and become far more cautious.
I do a bit of free climbing when I am out hiking, often when I come across an interesting rock feature. I'm typically pretty timid, but on occasion I have gotten myself up 100ft and thought, "so if I fall right now.......". I've defintely gotten more conservative as I have gotten older.
We all do our own math. Your number could be up on the way to work this morning. You just don't know.
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