Jethro - we are very alike. I too have been cycling for around 50 years, and enjoyed tours in the UK and continental Europe. I commuted when I last worked (in Leicester) and used to cycle all year round, day and night, snow, ice & distance held no fears for me.
My last job included a lot of elements of risk management (and I still do some of that voluntarily, occasionally) but my professional understanding of Risk never dulled my enthusiasm for cycling. I learned to contextualise the nature of the risks and mange them. We are all different, and I respect your feelings.
But- I have barely ridden at all this year. My mojo has well and truly departed. I have a number of excuses, but I think there are two root causes (1) boredom with my local roads - whichever way I go, I've got to negotiate suburban Leicester before I get to the countryside; (2) I suspect that the last year has left me on the edge of depression.
I intend to deal with (1) as soon as I can drive to somewhere with a cafe where I can leave Mrs M (who is increasingly immobile) while I go cycling for an hour or two while she drinks tea & eats cake - this approach might help deal with (2) - I certainly hope so!
I also have the sense that past cycling glories are - somehow - holding me back. It's become painfully obvious that my body is coming up to 66, but my head still believes I am 30 and capable of the physicality of a 30 year old. I hate the knowledge that I cannot (realistically) do those 200k rides any more, and despise my body for letting me down every time I'm knackered by relatively simple physical tasks! (and yes, that's the depression seeping out!)