Touring forces one to take roads of a sort that can be avoided if cycling around home. Also, one can avoid riding in inclement weather if one isn't compelled to keep moving. Mud besmerched windshields, fog, and low light; narrow winding roads populated with poorly maintained vehicles driven by the drink-addled and reckless. Trucks bearing down in both directions. Thats what's dangerous about cycle touring. There doesn't need to be a long list of "scary" things - this suffices. I rather doubt if any experienced person would dispute this. We've all been there - many times.