I'm staying indoors. I've crashed about 8 times in 15 years of riding, and I don't think a single one was due to taking extra risks. Its always been some anomaly (wind gust, or a lack of attention after riding too many miles, etc). I've also noticed cars are paying even less attention these days and there are a ton of cyclists out on the road that aren't cyclists and have no clue what they're doing.
That all said, I don't mind riding Trainerroad or Strava for 2-3 hours. I prefer outdoors, but I'm also super paranoid about getting it (though my fear is more out of passing it on).