Same here, been riding for about 15 years. Plenty of crashes, broken bones, surgery, and of course, I have multiple friends who have lost their lives riding. It sucks but its part of it. Every time I ride, I know it might be my last.
Just like skydiving, as you become more skilled, you handle problems quicker and better. Yes you become more comfortable, but you still know the risks... you just have more confidence in your ability to handle them.