But that being said, I am more of a risk taker just for myself...

And I think you touch on something really important there. I am not quite as risk averse if I know that the outcome of something I am involved with impacts only myself... and doesn't make me feel beholden to other people's expectations, hopes and dreams.

I tend to almost never "recommend" anything to others for the simple reason that I don't like the idea that someone else's (potentially unrealistic) expectations try to come home and roost with me.

So I think we're pretty close to on the same page.