Earlier quoted context omitted.
If you're even thinking about the danger, it's absolutely justifiable to believe you're above the average already. The average person has zero regard for their own safety; governments have to literally force people to wear seatbelts in cars or helmets on motorcycles because they won't do it without threat of financial penalty.
This strikes me as the kind of thing certain parts of the internet tell themselves to justify a feeling of superiority but probably isn't true. The guy who lives a dangerous life and has a ton of near misses probably thinks about it a lot more than average but it's not gonna change his behavior so thinking about it really isn't worth anything.
I suggest looking up statistics about seatbelt usage rates before legislation. I think you are underestimating how low the bar for personal safety is. In fact, the point I am making is explicitly not about being superior. You don't have to be an amazing driver/rider/pilot, you simply have to give a single fuck about your safety. Most people just don't.