I've always thought about what would happen in a crash on the bike, and as I ride 99% of the time with my wife, I consider the ramifications for us both. I ride carefully, and always assume that every car driver out there is out to kill me - makes me a better car driver too. But following the death (non-accident related, and he didn't ride) of our son five years ago, out of the blue, I've come round to thinking that when your time is up, your time is up, so a "what if" isn't going to stop me riding - age will, of course - I'm almost 68 now - but I'll continue as long as I can.
A close friend for around 40 years, who also rides a CVO, same age as me, doesn't drink, doesn't smoke, gym 3 times a week, never a day's illness, has just been giver 3-6 months to live from Bowel Cancer that appeared out of the blue, even though he faithfully did the every-2-year tests for it that we get in the UK. That's going to stop him riding, as death will eventually do to us all. We don't escape this life alive.
You could be lying in bed when the ceiling falls in and kills you, or any other thing out of the blue. But till the day comes, I want to keep on riding as long as I am able, and nothing is going to make me stop "just in case".
Of course, the choice is yours, and I understand the position with your son, but life is short - 40 years passes in a flash, it seems - you never know how long you have, so for me, I want to live life to the full, doing things I enjoy. And my bike has given me enormous pleasure, taking me to wonderful places I'd never have otherwise been, and making many good friends along the way. I wouldn't change that for the world.