Well, i think of it this way...
Why tiptoe through life, only to arrive safely at death?
I know I will get flamed for it, but it's ok. I ride fast. I don't stunt, but I do take corners hard (as hard as my skill allows) and I constantly learn new things that make me a smoother, faster rider.
It's fun, and I know that eventually something is bound to happen. After all, there are two kinds of riders, those who have wrecked, and those that will.
(BTW, I am one of those who HAVE)