Experienced pilots are doing stupid things and crashing. Why?
The more I think about this question, the more I think Occam's Razor applies to it. Also, never attribute to machination or conspiracy, that which can be adequately explained by stupidity.
Specifically, I'm now convinced that when a high-time, "highly-qualified and experienced" EMS pilot crashes due to weather-related cause(s), it's due to one of three situations:
1. Complacency, i.e., "The little stuff doesn't matter so much any more"; or,
2. Invulnerability, i.e., "I have been through many years of things that could kill me, yet I'm still alive and doing fine; therefore, I'm unkillable"; or,
3. Statistics, i.e., maybe the individual was just plain no good from the very start, and on the night of the accident, all the many, many links of the accident chain just finally snapped into place.