Yep, I've been called "risk-averse" also. However, it has paid-off. Never was a Boy Scout, but I learned from the Cubs & Wiebelos and the army. Build skills and learn basic gear. I don't consider it a personality flaw that I don't like high-adrenaline activities (bungee, rollercoasters, etc.).

I may like Cody, Dave, Les & the others, but I know that my skills aren't to that level yet. I'll test my gear & skills this year on a 3-day camping excursion.

The Highlands in winter? Sigh...