Eh. While there's certainly a lot of "SMIDSY" crashes, at least some crashes and deaths are due to dangerous riding and lack of gear. It'd be interesting to see how the risk is spread; my guess is that if you're over 25, the risk drops precipitously, for example.

I've known numerous motorcyclists throughout my life and very few of them have had a crash. They're all middle age or older, well educated, and not thrill-seeker types.