I must admit that i've recently fallen pray to the fearless rider in some cases. The abilities in myself have grown in leaps and bounds. The understand of weather conditions and tire prepareness are becoming easier to understand. The more you ride in changing conditions the more you understand about your bikes ability. You understand if road variables come your way you have several things at your favor. One, speed. Which is also deadly. Two, the make/compound of your tires. Three, your ability to plan exit strategies. Four, how well you know your bike. Do you ride relaxed or do you grip the handles to where your hands hurt at the end of a ride?
Each of course is mix differently based on the environment. But, knowing and appreciating each gives, at least me, the ability to enjoy a ride and "dodge" the unknown. Dodge you shall.
In short, I think the true riders of this sport come to terms about life and it's possiblities. It's probably more stupid than anything but it seems this is based on perspective.
If a person is unsure about this sport then perhaps they should take the time to evaluate their situation. May be happier doing something else. There is nothing wrong with trying and disliking and moving on. Shows courage you tried and an open mind for future endevours.