and possibly too cautious ( is that possible???).
No, that's perfect especially for those flying once a month. I've seen many gung-ho people create themselves issues by going in marginal wx, x-winds > club rules etc...
If you're a prof pilot it's a different story (although a few airline pilots seem very unsuited to GA), but for weekend pilots we should remind ourselves that it's inherently bloody dangerous, and it's done for enjoyment not because we're paid to take an aircraft with the latest whizz-bang technology from A to B.
That said, at least these prangs only hurt pride!