You don’t want to die dumb because you cheaper out.
Ok. I hear you. But, even with the “best” gear, nothing is 100%.
I don’t know the statics of it, but I think I am actually more likely to die pedaling to work than going out paddling. I wear my helmet and reflective clothing. Still several years back, a woman broadsided me in front of an entrance to a mall and sent me flying 20’ or more across the road. I tucked in the air and rolled and came up luckily with a few minor bruises (my bike fared much worse). Another time, my attention lapsed and I went into a pothole and did a head over heels with my feet clipped into the pedals. I got knocked out and blew out my knee (torn ACL and ripped meniscus). Having experienced these, I could give up biking (as many has suggested and some said outright) and get into a car crawl through traffic on the daily commutes… No thanks. I acknowledge that I may die yet while commuting by bike. But, when the times comes, so be it. No one lives forever (and I don’t want to).