Absolutely. I'm 27 but pretty pessimistic lol, "whatever can go wrong will go wrong." Not that I'm a Debbie Downer I just don't feel comfortable unless I'm prepared for the worst, to a reasonable degree. Even though my Duster never actually broke down I always drove with a bunch of tools in the trunk.
And yeah, just trying to imagine having my skin literally torn to shreds isn't fun. No way I'm gonna ride in a T-shirt and shorts, makes me cringe when I get passed on a 50 mph road in my Jeep by a guy on a bike like that.