the safety measures a person takes is down to their level of 'perceived risk'.
if they don't see the activity as dangerous, they won't take safety measures.
If they perceive it as dangerous, they will, in accordance as to how dangerous they see it.
This perceived risk may have no relation to the actual risk involved!
Is it safe to change the light bulb now? or do i need to turn it off at the wall first/pull the fuse/throw the mains switch/call an electrician?
On a road in dense fog/Heavy rain. Someone roars past at some ridiculous speed, despite the fact that they cant see past the end of their bonnet. they just don't perceive their actions as dangerous (to them self, or others), or don't care.
Or out on a sunny day, and get stuck behind a driver pootling along at 30 MPH on a dry road, with perfect visibility, and a 60MPH limit (ETC), who is scared to go faster, as they think it is too dangerous.
We all do this. We take into account many factors.
IS it safe to pull out into the traffic?
so we consider;
The perceived safety of the car we are in, in an accident.
The urgency of getting where we are going.
The size of the vehicle on-coming.
Road conditions (wet- he can't slow down well, we can't accelerate well) (dry, his brakes will work well, and we have lots of grip to accelerate with)
and so on.
And we do this mostly subconsciously. We wither pull out, or we don't. If asked why we say
'I thought it was not safe to go'
'i though it was safe'
So we end up with (for any situation):
Reckless (most say 'should not have done it')
Sensible (mostly agree with, would have done the same)
Over cautious. (could have done it OK, so why did they not?)
and all the shades of Grey between.
If we get it right, we are OK.
IF wrong (SPLAT/FRY/ETC.)
All we can do when giving advie to others is to try and err on the side of caution. It's up the person we advise as to wether they take the precautions we advicse or not.