I've ridden for many years, and I also fly small planes, so I'm quite aware of my higher-than-average risk profile, and have gone through a lot of studies and reading to determine how I can, as much as possible, mitigate the risks while still enjoying the activities.
For motorcycles, riding regularly, in full gear, while sober, gains you an awful lot. Riding infrequently is hard because you don't maintain the muscle memory, full gear turns most crashes into a "Invent new cusswords to remove the paint from your helmet, get up, and walk away" event (not all, obviously, but if you crash without gear, it's going to either suck a lot or end your life, and if you crash in gear it's a lot less likely to suck or kill you), and "bike nights at the bar" are just dumb.
Knowing the limits of your bike is also helpful. I did a few track days, decided I didn't want to go down this route, but very much appreciated the chance to learn (in a safe environment) how much further than my normal limits I could ride on the bike. I couldn't ride anywhere near the limits of my bike, and knew it, but I expanded the envelope of "I know I can make this bike do that," and it was occasionally useful. The guys riding wheelies down the highway, against what most people believe, actually don't kill themselves terribly often. They know the limits of their bike, they know what they can make it do, and if there's something that requires a rapid response, they can make the bike do it on demand. One of those guys has a car pull out in front of them, they're either able to stop competently, or aim for the new gap, lean the bike over, cut through the gap, and flip off the car. The guy who rides a big cruiser 300 miles a year to the bar is more likely to mentally lock up, lock the brakes (before antilocks were standard), and slam into the side of said vehicle. Often while sliding on the ground first, having locked the rear tire.
You also, if you're riding regularly, learn in a hurry how to identify the cars to watch out for. Maybe the slammed Honda with a fart can, park bench, and body damage is being driven by someone's mom, who is the most respectful person on the road. Don't care, I'm going to assume it's likely to do something very abrupt and stupid. And, often enough, they do.
But if you wear gear, ride a lot, and understand the limits of your bike, you can manage a lot of riding miles, very safely. As much as people make fun of the old couples on Goldwings in the glow-stick yellow riding gear, a lot of those people ride 30k+ miles/yr, for many, many years, entirely safely.
This is getting long, but general aviation accident records contain a lot of the same sort of thing - "Here's a short list of quick ways to die in an airplane. Don't do these and your life expectancy will increase dramatically."
And nothing here means that you can control all the risk. Sometimes, shit happens and there's nothing you can do about it, despite all your preparations (Gann's Fate is the Hunter is a great read on the subject). But you can radically balance the scales in your direction with the right planning.
