The risk isn’t the problem. Taking it without a plan is.

Risk gets blamed for outcomes that were actually caused by a missing plan. Jumping is not what hurts people; jumping with no idea where you land is. A plan does not remove the danger, it just means the predictable parts are already handled, which leaves your attention free for whatever nobody could have predicted. Most bad outcomes were visible from the start if anyone had bothered to look.

Before the next thing you are nervous about, write three lines: what you want, what could go wrong, what you do if it does. Three lines counts as a plan.