You have been riding too long so now have started to think about things. Two types of riders, those that have been down and those that are about to go down.
After I witnessed my son's 8 broken bones and a traumatic brain injury in 2012 (he is fine now) I started riding less and less and not having nearly the fun.
Only you can decide but maybe your brain is telling you something. These are the times when your cheerleaders tell you to block it out and your friends tell you if you typed that post, it is probably time.