If you are 36, and have a reasonable chance of living till 70+, a 3% chance of death is basically the same as dieing one year sooner. Is climbing mount Everest worth a year of your life? And I am not talking about extreme old age but reasonably healthy middle years?

Now it might not seem like much, but as I get older I am more willing to take risks because of this stuff. My risk threshold is basically one in 50,000. If it's more risky than that it's just not worth it IMO. At 70 I will probably have a lower threshold but for now I am happy, healthy, and hopefully have many more years ahead so taking 1% death risk seems stupid.