Trumper, the people you describe are the reason I have two shelters and bivvy bags in my backpack when I am out. I do not want to give mine up 😮 I am pretty much prepared for anything when I am out to the point of my backpack weighing about as much as I do. As for home work, I have my maps ready for Scafell Pike 😮
Lincoln, I have done a lot of things that would be classed as extreme sports (I do not count hill walking in that) and they are covered by the insurance of the organisers. They also have trained first aiders but I would still expect the help of emergency services and hospital treatment should I need it. I agree I should pay for the use of those emergency services through taxes but I do not agree I should pay an additional amount, when somebody who breaks their leg in a Sunday league football match does not. Like I said where is the line for the `stupidity tax` ? … and my car is 100% legit at all times.