The other day I came across an article in which a school prohibited their students clapping when cheering, instead making the cheer in quiet with a fistpump or something like that.
The stated reason for this was that some of their pupils were noise sensitive and it made them feel bad/anxious/terrified.
Now, regardless of whether this particular story is true like that, it illustrates something interesting.
There is a whole bag of human behavior that has the possibility to affect their environment negatively. I would go so far to say
> Being alive is an interruption to your environment
You can't not be a nuisance. Nor should you strive to be. That doesn't mean you should be as annoying as possible to everyone you meet, but it means to recognize that we live in a society in which people are different, and specifically to your point, have different trade-offs when it comes to acceptable risk and freedom.
That you have different trade-offs doesn't give you a moral high-ground, over people "thinking it's ok until they die". And I'm not totally relativist here, I think there should be limits and that some trade-offs are wrong.
It's just that that goes both ways between recklessly irresponsible and fascist government limiting everything dangerous, and there is a lot of space in between the two.