All around good advice, if your goal is to survive as long as possible. You miss out on some amount of fun, though. I don't mean that in any kind of "way", just that if that is your goal, this is some good advice.
I have been rip roaring drunk, once or twice. It wasn't any fun and then I was sick afterwards.
I have hiked up mountains, in spite of a fear of heights. I did it sober and took appropriate precautions.
I am not suggesting you not have a life. If you want to drink, you can. You just need to have a designated driver or call a cab. If you want sex, you can have that. Just not with random ass strangers whose histories are total unknowns.
I enjoy my life. And I have very few regrets. I think "fun" that leads to regrets = you are doing it wrong.
But I was like that before I paid accident claims. Paying them just made me more confident that I am right.
Edit: I am genuinely curious what fun you think I am missing out on, though perhaps that is not clear. I really wonder what you think I am not doing that somehow makes my life less fun. Because I sincerely do not see it.
Well, this is what I wanted to avoid. I didn't mean it in any particular "way", especially an accusatory one. I've just done the opposite, basically living like there is no tomorrow. It was a lot of fun, but very dangerous, and it wouldn't be very good of me to advise anyone else to do it. But it was a lot of fun, a lot of the time. And regrets are easy to get over -- for me -- if I go into a situation telling myself "no regrets".