Hey Bob
I think about this sorta stuff very often while riding.
Lot's of what "if's".
Sometimes after going a little too quick on open roads

.
I totalled my first bike after having a cab pull out in front of me (got myself a free ride in an ambulance!) and it does make you think sometimes.
You're not on your own in your thinking.
When my ex used to nag me, I had a stock answer "hey, you've gotta die of something" ... usually shut her up (for 5 minutes anyway

)