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There's definitely an implicit risk/benefit calculation though.

I don't know what dollar value I would put on my life, but if I get cancer, I would not be willing to forego all of my material resources to improve my probability of survival by 10%, for example.

I imagine your line of thinking is similar to mine in primarily being about the wellbeing of your family.

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Yes. And secondarily, quality-of-life / pain / comfort issues.

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