I'm not very supercilious so I'll speak up...
I haven't read a lot of this thread and I'm sure some of it will be repeated but repetition can't hurt.
I've been riding since 2007 when I was 45.
I haven't dumped yet and haven't been hit by a texting dimwit yet. I was sitting here trying to figure it out and have come to the conclusion that part of it is age, part of it is fear and part of it is respect.
I'll use a table saw as an analogy. I worked as a woodworker for 5 years after high school. I was on a table saw ALL DAY. The closest I ever got to cutting myself was getting so close I could feel the heat of the blade. I respected the saw for it's power and ability to cause major damage. I feared it but wasn't scared if you know what I mean. Same with my bike. I fear it but I'm not scared. It can do major damage if I let it but I try not to let it.
I know my limits. 30+ years ago I may not have known my limits and chances are I would have crashed. I'm in my 50's and I'm on meds that slow me down. My reflexes aren't what they used to be and I know it. I don't go beyond my limits.
I respect the power of my bike. I fear it but I'm not scared. A little fear goes a long way.
The street isn't a race track. There are idiots in cars, sand, rocks animals and all sorts of other things. I don't train on the road outside of familiar curves and on/off ramps and after one pass to check for debris. Some day I hope to hit the track but until then I ride like there WILL be something in the road to take me down.
I really do ride like like I'm invisible. Every intersection and every car that comes near me is a potential crash and I'm aware of every one of them. I don't let my guard down.
I don't ride in the cold or the rain. I wait for tires to warm up. I generally avoid things that I know can increase the odds of a crash.
In summary, if you want to test your skill level, go to the track. The road isn't a track.
Know your personal limits. If you have bad reflexes or are on meds or whatever. Be mature enough to understand yourself. Don't do things that you know will increase your chances of a crash.
I'm not trying to lecture. I'm just trying to increase awareness.
And now I'll probably wreck for the first time when I go out later!