no one can really answer this
I believe more miles under your belt through all weathers over time will give you a better knowledge of how your bike behaves under different circumstances.
i'm afraid I'm one of those fair weathered riders who only come out on warm days now. Done my commuting in snow, wind, rain and heat many moons ago cos I had to. Don't want to now. But each spring I'm very cautious of my riding as my road craft always takes time to get up to speed after a few months lay off.
I think a lot of accidents are had in the first few months of fine weather when the steed comes out for the first time, possibly no tyre pressures checked or basic maintenance done. i can't produce figures to back this up at all.
Cant quite agree with you Jawa re enduro, if anything more accidents are had, but probably fewer fatalities. 2 people in the last 2 months I know have had nasty ones doing this, one last weekend resulted in a bad collar bone break and another had been pinned and plastered for months in the accident they had, all experienced as in most weekend enduro riders this has happened to.
As for my own experience I didn't have that problem, my uncle did a few trips on the TT circuit years ago, my brother did a lot of racing and my dad rode too so it was always encouraged as a family occasion.
why not do a Ron Haslam day where you wont need a bike licence, and all the gear is available to hire. Try before you buy sort of thing.and take the other half as well. I think they are only half a day