I think basically this thread is about 'learning from experience'.
There is an undercurrent that a 'fright' causes an overcaution.
This is sensible!
There's been a knock to self confidence and, perhaps, memories of similar situations not 'going wrong' or a greater awareness of 'random hazards'.
I avoid pools of water near the kerb having painfully come off due to a 'missing' draincover.
I learned many years ago not to expect cars to notice me - and accept my 'right' to be on any bit of the road.
So learn from mistakes/randomness and grandly increase your risk calculation until you are personally comfortable with the balance between 'safety' and 'danger'.
Or is this about speed and the frisson of being 'on the edge'??