To be honest not that much differently. My in ability to do things is location (I'm 40 miles from town) and financial (money? What's that?) based.
However, I am probably oblivious to a number of things...
Regardless, I try to not let fear be part of the decision process. However, I try to keep aware that some of what I am 'afraid' of is there to keep me out of harms way.
But anyway that quote brought to mind another I like: "What would you do different if you knew you could not fail?" ~ Kim Schmitz, 2002