How do you handle when you and your partner have different safety perceptions?

For instance, if you have different opinions regarding:

- Whether to wear a seatbelt in a car/helmet on a bike/lifejacket in a boat

- Whether to go out on a frozen lake without proper safety equipment

- Whether to go swimming after you have been drinking

- Whether to tell your partner where you’re going to be and when you'll be home when you’re out a late night

- Whether to take a cab or walk home on a late night

- Whether to climb a tree without ropes or harness to retrieve something that got stuck there

- Whether to travel somewhere without being vaccinated

Or other situations which have risks involved but where the perception of whether or not to do it anyway can differ between different people, particularly when the safer option is more expensive (such as with a cab or safety equipment). How would you handle your partner standing on the opposite side of the "safety fence" as you? Particularly if you want to opt for the safer option and get worried about your partners risk-taking. Should you be able to veto each other's risk taking or is that power abuse?

How do you handle when you and your partner have different safety perceptions?
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