A good friend of mine lost a friend of hers in a motorcycle accident recently. Her and her husband were riding two up when they got hit. She died at the scene and last i heard he was in the ICU and might not be walking anytime soon.
I love riding and I still ride nearly every day. I am well aware that its a bad choice, but its mine to make. I have to say that if i had a family to support I might approach it differently though. If you have a family to support you *need* to have a quality death/dismemeberment policy, other than that its "buyer beware".
On the plus side, riding a bike gives you ample occasion to reflect on your own mortality. Its not even remotely unusual for me to think: "i might just die in the next 5 seconds" or "huh, I almost bought the farm there" while riding. It gives one a certain enjoyment in life.