Same here, mountain on the streets and other terrain, I am scared of the tires on road bikes.
I have been contemplating lately......
If I can go pretty fast on the streets with my mountain, how fast could I go on a road bike? Would I kill myself? I loooovvee speed and love the feeling that I could crash at any moment, hit the gravel wrong, hit a pot hole, rock, small or large animal, ect.
So past experience tells me that the mountain bike handles better on most terrain, so really, how does a road bike handle gravel? Does it really make that much of a difference? My greatest fear is loose gravel....