In this case, looking into side mirrors is dangerous, but not looking into them is also dangerous. Thus driving is dangerous, but walking is dangerous too, so better to sit in a safe room away from the dangers.
Driving is dangerous. But looking in your side mirrors is necessary. But looking too long is dangerous, especially in stop and go traffic.
My point is not that we should do nothing because everything is dangerous, but that we should minimize the risk by avoiding things that are unnecessary.
Adjusting the radio is almost certainly unnecessary to drive.
Annoying music makes the driver angry and inattentive, so not adjusting the radio is also dangerous. This kind of risk assessment algorithm is already built into our brains, and I doubt you can improve it with a formal simplistic model, partially because the risk weights depend on circumstances.
