Same as flying
Taught to me by older more experienced pilots and which I passed on to my co-pilots in the Air Force: Your most important job as aircraft commander is "managing the margin of error." Longer trips, bad weather, tired crew, maintenance problems are all manageable. Put them together, you're in trouble.
Same here. Personally, I like a big buffer between me and trouble. I always wear heavy boots, always a full face helmet, and always an armored jacket that's bright enough to allow my widow's lawyer to say in court, "there's no way that dumb driver could have not seen him."