I confess that I am in the camp that is inclined to say, fuck it, throw caution to the wind.
I reflect on the times in my life when I did just that and I have been amply rewarded with a life having been made just a little more worth having lived.
Seeing people holed up because of their fears makes me sad. I suppose the thing that I am most afraid of is finding out too late that I am too old to do these sort of things with the few years that I may have left in the world.
(And that goes as well to spending time with my daughters, wife, family.)