I guess we could do something like:
<normal coverage> - <adjustment for risky behavior> + <adjustment for pro-social outcomes>
But I think we will have trouble puzzling out the last term!Motorcycle cops are an obvious subset of people who ride motorcycles. It isn’t an extension at all to include them in your logic.
ATVs might be more of an extension. But, I bet if we wanted to we could find all sorts of jobs that are more dangerous than motorcycle riding.
(Edit: just to be specific, you say we have to draw the line somewhere. Well, then where?)