I haven't read all the posts, but here's my take.
I'm 42, a stay at home dad to an 8 year old daughter.
Been riding for 33 years, never had a street crash.
But I can tell I'm not as quick with the reactions as I was in my 20's and 30's.
Now I ride a small WR250R dual sport 99% off road. I bring the bike to the trails on a rack on the back of my van.
This was I still get to enjoy riding, without the much larger dangers of the street...