Never even considered not riding. I have changed my attitude about protection, though. I used to think that I could leave the helmet at home if it's just a quick cruise in town. Now, the helmet goes on every time I get on the bike - no exceptions.
I've got a 3 yo, 2 yo and 9 month old. I'm not giving up riding, just being smarter about it.
Oh, and for me, riding is just commuting to work. I just don't have time for joy rides.