I'm not sure that the risks are as low as all that.
1) psychiatric - suicide by light aircraft is not all that uncommon.
Really? do you have any statistical evidence of this?
4) general wellbeing - the number 1 cause of accidents is stupidity. We're more likely to be stupid when we're under the weather.
Whether you have a medical or not, if you feel you are not fit to fly due to "being under the weather" then you should not. I don't think stupidity was assessed by any AME I ever went to