My wife worries. However she knows that my mental and physical health is better when I ride. And I have a life insurance policy that will pay off the house and send both kids to college.
If you don't take any chances in life, you aren't really living.
I saw on the news that 4 people got killed this weekend in car accidents, but that doesn't stop me from driving. It's been over a year since I've seen a news report of a cyclist getting killed in my area.