Yep, personal risk may be wildy different than a population risk.
As someone who lives in a sparsely populated, rural and mountainous area in Greece, the risk of being killed in a car accident still exists but it is a lot different than city accidents. Seatbelts, car mirrors, airbags are all mandated by the government.
Mirrors are not so useful, because not many cars are driving on the road at any given time. Most motorcycles do not have even one mirror because they are useless. Animals may cross the road, sharp rocks may have fallen on the street which can cause a vehicle to literally fall of a cliff. Good luck hoping for an airbag to save your life, while you are on a 10-20 meter fall.
Safety is still provided by the car gizmos, albeit to a very small negligible amount of the local population. Safety measures mandated from the government to the car manufacturers are more relevant to big cities than here.
Dangerity on the other hand, the ability to be in danger, is more preferable when it is cheaper. The car gizmos, take up space, and cost money. Safety is not always better, and when it costs too much money, every normal person should fear safety, and take the side of dangerity instead.
A normal non fat person, who exercises once in a while, and is reasonably mindful of their eating habits, should definitely choose the side of dangerity in case of Covid. Safety in that case costs too much money, and it should definitely be avoided.