Funny you mention "complacent." I've long wondered about the "sweet spot" for pilot safety, the best balance of relatively high experience and low complacency.
Triggered by learning how experienced is/was the Bek Air crew, today I found an AOPA PDF (1302agingpilotreport) with this in it:
"... Adjusted for age, pilots with 5,000 to 9,999 hours of total flight time had a 57 percent lower risk of a crash than their less experienced counterparts. The protective effect of flight experience leveled off after 10,000 hours..."
The Bek Air crew are/were late into their careers and have almost 32,000 hours between them, with over 9,000 combined hours on the type, per Buster the Bear's Flightglobal link above.