Risk is an interesting phenomena to me. If you examine it closely and thoroughly, as long as we're alive, we are at risk. And what does it mean to remove the risk? Usually that's the riskiest thing to do, because you have to get close to the source of the risk. And what if the thing that is responsible for the risk, also gives you something valuable. It doesn't make sense.
There are some ridiculous risk that no one should take, like texting while driving, not using safety cables and equipment. We all die in the end, but I don't want to die because I wanted to check my last notification while driving, I don't wanna die because I was too lazy to wear safety equipment.
I believe everyone at any moment should try to do what he/she believes in, in a case he/she dies, then it will be worth it. It's difficult, I don't do it all the time, but I think it's the best approach.
I am not sure texting while driving is even about "taking a risk". It is simply doggedly following an inane desire like scratching an itch and laziness, as you point out.
Often risks are not at all "willed" but simply things that are not avoided.
There is a risk in every action we do, and there are no universal and complete statistics on it so we can evaluate the risk and decide which is less risky.
But still common sense is useful.
So I find it pointless to decide what to do based on its risk. Sometimes I do, especially if the activity is just for fun, but when there's a meaningful goal, why not die for it, especially when we know we're gonna die anyway.