In this definition I think virtually no one assesses the risk correctly. It is a human nature to overreact (post-factum) to an unlikely event to the extent that most languages have a dedicated saying ("having burned yourself on hot milk, one now blows on water" is the non-English version I heard as a kid).
No offense intended, but I also yours is not a good definition of "correctly assessing the risk". If it were followed, an extremely unlikely possibility of a horrible outcome would stop people from doing most optional things. For example, a risk of a horrible disease while on travel will lead to no travel.
Personalities differ and there are daredevils and scaredy cats that differ in pre-event risk assessments, but post (unlikely and traumatic) event assessment change is pretty universal. My 2c.