First, my point is about optimising for happiness. Running out onto a road without thinking has nothing to do with happiness.
Secondly, the risk profile between these two scenarios is completely different. In one, the OP _might_ have a slight difficulty in finding employment in the future (we actually don’t know, because there are so many variables). In the other, the OP is likely to be dead or seriously injured (which is something we actually know). These scenarios are not comparable.