I hear ya, sometimes the chance is worth it. I just fell in love with this lady and didn't want to get anywhere near the odds of seeing her hurt or me hurt. It's one of the reasons I sold her 65 Skylark that I had done for her, I got to thinking about it and got her into a late model car with all the safety stuff.
And believe me, I think about it often driving the Rambler, that car is just one small step above a motorcycle for safety. I drive it VERY defensibly just as I did on the bike. I am watching out for the other dude every second.