One of my friends and long-time gaming buddies*, Don W., has a great line about dead PCs.
Pretty much, it goes, "Waah waah waah, my paper man is dead." It works best stated with cold contempt.
It's a line I have to pull out and say to myself sometimes.
Yeah, I know it sucks when a character dies.
But it's just a paper man. It's imaginary. Don't invest too much in it.
"But I invested a lot of time and effort and love into this guy!" Sure. You invested a lot of time and effort and love into having fun and playing a game. You did those. You already got a full return on your investment. That you could have had more fun and played the game more isn't nothing, but it's not really something important. You can make up another paper man and have another go at gaming.
Of course, this is no knock on cautious and careful play. But still, as your character gets stronger, gains experience, and otherwise improves, you're less and less likely to take foolish risks. Yet you can get paralyzed into inaction by fear of losing what is, ultimately, just a paper man. Is it better to sit back years from now and talk about all of the risks you avoided to keep your paper man "alive"? Or to remember risks taken because it's a made-up story about risks without real consequences?
And if your guy dies . . . well, you know the line.
* Although we both game regularly at the moment but don't game with each other. But schedules change, and we'll game together again. We've got an overlapping player who plays in our Gamma Terra game, as well.