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100%. It doesn't just encourage, but penalised those who don't. I'd be scared from a liability perspective as an organiser. I don't think washing your hands and saying, they planned their own route, is a defence.
I doubt if ever do one again. If I did I'd route the safe, scenic way.
Sure back roads can be dangerous too, i know that. But I think a fixed route allows - if the organiser is good - them to limit risk. Plan your own route does allow on the ground re-routing. But I think any organiser would accomodate somone who wanted to alter a fixed route as something was unsafe.
It is interesting you say that is that because you think it encourages riders to ride on dangerous roads?