I hear you about the wife. Mine's a nurse so she's seen the results of some horrific street bike accidents. She actually loves to ride pillion but won't do it anymore. I sold my street bike after she stopped riding with me and now I just enjoy my dirt bike.
I started riding in 1973 and stopped riding in 87 (married, kids, house, work) and started riding again in 2003. My wife is a Physical Therapist and has no interest at all in riding.
Some interesting information:
en.wikipedia.org
I've had many years of riding an a few "accidents". No guarantee but if you obey the law and road conditions I believe your chances of an accident is reduced tremendously. For new riders the proper training and attitude is imperative. I had years of riding 125 hp BMW K1200RS. In 2017 I went to a 175 hp BMW K1300S. I took my time getting acquainted, 2,000 miles worth, and still maintained a healthy dose of respect for the new machine.
I learned from my 1980 Kawasaki 650. I started riding on a 1970 Triumph Bonneville in 1973. I did not make adjustments for the additional 2 cylinders, extra horsepower or smoother ride on the Kawasaki. Didn't make it to 50 miles (49.3) and took a turn which was faster than I thought. A little damage, a little more injury and a big learning lesson.
The link above explains a lot. The number of fatalities over the years is also interesting. Baby boomers born between 1946 and 1964 with cash and "bucket lists" may explain some of it.
Watch out for the left turners, oldest baby boomers are 74 this year.
A lot has changed in the 47 years since I started and I take these things into consideration when I saddle up:
Woman have changed attitudes, they sure don't drive like my mom (a woman but also a lady) did. That is a big increase in the number of "offensive" drivers. No data to back this up just my personal experience in NYC. I'm sure an Insurance agent can find data to back up my observation.
Eating and drinking, my 1985 Corolla did not have cup holders. I think my 2019 Ram has 8.
I thought talking on the phone was bad, nothing compared to the texting a$$holes.
Sound systems and quietness of interiors.
Congestion
1969 muscle cars were 300 + hp, today a Camry is 200+.
You have that person who smokes (various products), drinks (again various brands), eats, talks/texts, hopefully not at the same time and is in a rush to pick up the kids (who probably should walk, based on their fitness level)!
Proper balance with hormones and brains when riding, if not you could lose some or all of both.