Factors I consider:
>If a dog, or a person, or a moose were to step out into the roadway could I avoid the collision?
>If I couldn't avoid the collision can I take the consequential injury and recovery (assuming no permanent damage) with good humor?
>Is this the "Today" in the old song "Everybody wants to go to heaven but not today (right now?)"?
>Just how much stress will this bike including its' components take? (I've been told no one tests them under heavy riders and high speeds)
>How much pain my SO will inflict on me if I crash.