You're 100% right, I don't know what to add except I need to remain as cautious as ever, and not get lazy because I've got armour.
The original research into risk homeostasis [1] (in skydivers) showed that the increased risks were taken subconsciously.
I get all the above points but...
The idea of risk homeostasis is disputed. One author claimed that it received "little support" another suggested that it "commands about as much credence as the flat earth hypothesis"
@Antidotes started
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The original research into risk homeostasis [1] (in skydivers) showed that the increased risks were taken subconsciously.