Assuming you had 40 years remaining in your life, and no one else was in the car with you, and the cost of fire/rescue services is ignored, and the chance of se

Assuming you had 40 years remaining in your life, and no one else was in the car with you, and the cost of fire/rescue services is ignored, and the chance of serious long-term injury instead of death is also ignored, then: Option #1 takes 40 * 365.25 * 24 * 11.4/100000 = 40 hours off your life. Option #2 takes 40 * 365.25 * 24 * 3 /100000 = 10.5 hours off your life. Statistically speaking then, option #1 takes off about 30 hours of your life compared to option #2. In fact, with those numbers you shouldn't take option #1 unless you only expected to live for another 1-2 months. On the other hand, logging workers have a highest occupational rate of death, at 127.8 per 100,000 full-time workers per year. Assuming 2000 hours per year gives a much fatality rate per hour than what you've posited, so I don't understand your point.