I think people are over thinking the problem.
Think back to your human factors where 80% of the accidents are human error.
Aviation is as safe as YOU make it.
Should you make that tight approach or just extend a little wider and giver yourself a stable approach?
Should you push on into that weather when there is mountians around?
Should you land when there is that big thunderstorm on final approach?
I've flown with a lot of different people here and there is a HUGE ego problem.