Agree with most of the sentiments stated here. Just to add to RBF's line about schedule, I was also told by my instructors "there's no Monday morning job in the world worth dying for" ie, don't push on in marginal conditions, even if you do "have to get back" as it's a hired plane or work tomorrow.
Also, when we took our mortgage out with the Virgin One account I made a big point about my flying, and they included it at no extra charge - I believe most policies will cover you, but may charge a bit more.
Life's not a rehearsal, enjoy it - and to me there's nothing more enjoyable than flying.... oh alright, maybe one other thing!
DW