No, it's more like choosing to always fly in a single craft with a small-but-not-insignificant chance of a fatal crash, versus choosing to fly on other crafts w

No, it's more like choosing to always fly in a single craft with a small-but-not-insignificant chance of a fatal crash, versus choosing to fly on other crafts which have a negligible chance of crashing, and are guaranteed to preserve your life if they do. I'll leave the sex analogy to your imagination.