If it isn't safe to fly with your wife and kids then it isn't safe to fly.
Runway, everyone has a different outlook and for me I strongly disagree with you.
For example personally I enjoy flying at night, I recognise it is a higher risk if something goes wrong , for this reason I do not take non pilots or children who do not understand that risk.
Equally I chose to do a transatlantic flight which carries relatively high risks and it was something I calculated I was prepared to do and the same applies.
Flying in bad weather with another qualified pilot or competent instructor I enjoy, but I simply am not taking loved ones but am prepared to fly myself, for these reasons I disagree with your outlook.
In terms of this accident we have no idea what went wrong but as pilots we understand the higher risks on the day due to the weather which for me and my level of skill would (I hope) have been to high to take uninformed pax.