Midlife crisis needs to be split into the "responsible for kids" and "not" categories. The "not" people can do wilder/riskier things, although I suspect on average they don't since fear of things massively outweighs "can you actually do it" factors. Probably the paper boxes we build are smaller than the metal ones outside of them.
There is probably no right answer, but I guess the question is: "what decision can you live with?"