another avenue that has not been addressed is for lack of a better term "focused instinct" with no hard data to support, but from practicle experience, There are 2 distinct mindsets, racing and recreation. with a solid 10+ years doing motorsports rescue, when one is racing, one is hyperfocused and the brain works on a subconsicous neuronal pathway of action and reaction. The racer does not "think" when things happen, he reacts instincually. When recreating this pathway is not as active. Thus a seasoned racer is much more likely to have a serious accident when not racing. he may be very comfortable racing at 120-150 mph, but when doing these speeds recreationally with passengers and various other distractions he simply is not as focused.