Crazy Fingers, there are different approaches to life.
At the risk of sounding both sexist and old, I will say that the majority of the serious automobile accidents I used to take care of at Harborview, the major trauma center for the Pacific Northwest, were men in the age range of 18 to 25. Usually they had been drinking, and got in their cars and tried to push the edge of the envelope. They usually lost.
There is a population of people who enjoy risk-taking, usually without giving a great deal of thought to the consequences of losing their bets. For such a person, careful planning and risk mitigation simply has no appeal.
I read somewhere that an author was surprised to get to know cave divers. Cave diving is the most dangerous diving you can do, so he expected a bunch of cowboys. What he found were boring people. They were anal, risk-averse, and meticulous, checking and double-checking everything and planning in minute detail to MINIMIZE the risks. A lot of the people on this board are that kind of person. You are apparently the other kind. You can make your decisions and act on them for yourself, but when you recommend that strategy to others, you are going to find some of us quite vocal in our objections.