Like every other human driver, I drive so as to maintain a collision risk equilibrium (c.f. "risk compensation"). So no I am not more afraid of collision. However I am driving more sanely, which is incidentally more relaxing than driving less sanely. YMMV.
Your "every other human driver" must exclude people who think it's a good idea to ride motorcycles at 1.5x the speed limit on the freeway. Needless to say, without seatbelts.
Anyway, this thread is about embracing some other risk as an alternative to unhealthy eating.
I posited that driving without a seatbelt is a poor substitute for a burger, fries and Coke. What I mean is that driving without a seatbelt is not a risk that provides am amount of thrill or pleasure in comparison to a meal.
So, that argument applies in triplicate to driving like a wussy without a seatbelt, don't you think?
Whatever thrill is derived from not wearing a seatbelt, it is attenuated by driving slowly to reduce the risk of injury.
Be sure to uninstall that airbag, too, by the way.