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Do you know what "experience" is though? It's your brain using your past and information from others, essentially calculating the odds of every situation, on the fly, without your permission. Constantly assessing the risks and letting you know what's "safe" and what isn't. So do "we" have to stop and assess the odds constantly? No, you're too slow. Your brain already did it.
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Exactly, and that is something some fail to realize or to admit. We are constantly determining the odds as we go through life. Frequently we figure them on a very broad level: It's OK to drive to work today because I probably won't get into an accident. Sometimes we figure them on the basis of bad information, such as what the local 6:00 news has as the lead story. We are constantly figuring cost versus benefit, even when we don't actively consider it. We do much of it automatically and without conscious thought. The more accurate our information the more accurate our cost/benefit analysis.