I beleive males tend to not get 'aware' of danger until they in their mid twenties, it is a part of their brain that develops late. It seems as you get older and have less life to lose you become more aware of it and protect it more.. sort of an inverse ratio.. 
for my part i wont take the wife on my BMW, in case we fall off. never even considered it with my old Triumphs and enfields.. It might be agravated by having the gear/brake pedals reversed, and riding on the wrong side of the road here in France. but even coming to a stop, i putthe ( now) wrong foot down instinctively.
best thing is to be as careful as is practicable, but enjoy life. you have to take some risks and being at home seems to be a major risk. No point is sitting in acorner for 70 years, that is not living.
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