I've been in 3 accidents, 1 not bad, 1 pretty bad, and 1 that totalled both my bike and me.
I haven't really ridden in quite a few years, but with my (fairly) recent purchase of my 750, I plan to be back out riding every day very soon (once it's in ridable condition). I think, being older, and still having pain from my last wreck, I'll be a bit more cautious than I was. Then again, I may get splattered regardless. I can't think about it too much, because I'll make myself twitch with nervousness if I do. But, I want that serenety back I had when I rode hundreds of miles every weekend just to clear my head. It's something I must do, splatter or no splatter.