My father subscribed to a newsletter that summarized NTSB general aviation mishap reports when he got his Private Pilot license back in the late 80s. I read them too and was astonished at how many mishaps were very bad judgement calls made by pilots-- flying when the weather wasn't fit, not checking fuel levels, flying after having experienced engine trouble, etc.
I think it should be required reading for every new pilot.
OTOH, there are those, particularly those who actually get training and practice in the high-performance zone, who realize the physics of the situation, and feel positively naked driving out without a seatbelt/harness, or helmet where appropriate.
Pilot A might skip flying if the weather looks bad. Pilot B might go "well the storm's actually only at x location on my route, I'll fly around it". Pilot C might insist on more fuel but take the flight.
I'm not pretending it's possible to avoid (all) accidents with enough care - but if you look at NTSB stats, a vast majority of accidents were things that were quite easily avoidable.
Getting an instrument rating, flying in a plane with a weather radar that can go high (pressurized, beyond 40,000 feet or whereabouts), having another spare pilot and spare engine, and following the "big boy" scheduled airline (part 121) protocols and rules and minimums will almost certainly help avoid 50%+ (very conservatively) of GA accidents causes.
Yes, you still need to be careful and not fall victim to things like Get-there-itis (which pushes pilots to fly when they shouldn't because they want to get there). However... it's a swiss cheese model of accident avoidance. Remove as many factors from your side as you can, do your checklists, IMSAFE etc, and you're very likely to be (physically) okay.
Oh, and get a Cirrus with a parachute while we're at it. They've got auto land on their new planes too iirc.