This discussion is interesting, but much of it really isn't getting at the question I wanted to ask. I didn't want to know what risk behaviors you felt comfortable with or not; I wanted to know how people handle it when a buddy/teammate appears set on doing something with which you are simply not comfortable. If, as DD is, you are comfortable with everything, then you don't care. But when you DO care, what do you say? Do you get talked into doing things, or allowing others to do things that you aren't happy with? Do you draw the line in the sand and be a bit of a jerk about it? (I've done both, and I've never been entirely unhappy with the latter, but I've berated myself for the former, even though nothing went wrong.)