Motorcycles in particular famously have a curve where older people buy them after not riding for a while. I remember seeing a chart showing crashes as a function of recent driver experience and it was IIRC the first 2-3 years which had the highest fatality rate by a surprising margin.
Kids are out of college, house is paid for, nest egg is funded, wife finally lets husband take up his old "dangerous" hobby again. (I'm joking, but also not joking).
Also don't forget about all the young guys who are riding spiritedly everywhere. Even if you're good the inherent risk of that is high and given enough exposure...
That was basically how I heard it from an EMT: guy buys a Harley when he can actually afford it, and wants to ride like he’s 20 but whatever experience he had has atrophied over a couple decades and now his eyesight and reflexes are worse, too.
