Sailing across the Atlantic with the family (one crossing, about three weeks): 1 in 5,600 chance it kills you

~180 micromorts. Like 18 general anaesthetics, or 23 hang-glider flights. Estimate.

Mortmeter: Worth it. No cheap substitute for three weeks at sea with your kids. They'll tell it at your funeral.

Assuming: Your own boat, about three weeks at sea, adults and kids, trade-wind route.

How we got this: Based on ARC rally history: roughly 1,000+ crew a year and a handful of deaths over about four decades, mostly overboard and boom strikes. That lands around 100 to 300 per person per crossing.

What gets you: Going overboard, Boom strike, Medical emergency days from help.

Cheaper version: Clip on at night, wear AIS man-overboard beacons, rig a preventer: plausibly half the risk.

Sources and method: how Mortmeter prices things, and the Atlas of measured risks.

More priced risks: Sharing a bottle of Flor de Pingus, Riding Polyppen at Bakken in Denmark, Eating 2 whole pizzas, Drinking a bottle of red wine, Winter bathing in the Øresund, A week of off-piste skiing, Getting LASIK eye surgery, Texting while driving on the motorway.