It depends on where you’re at. In my area the trains are all freight and the speeds are slow compared to electric passenger trains on the East Coast. There’s a crossing I would routinely drive around because I know how fast a train can travel (due to a curve) and there is great visibility. I also accelerate so the momentum carries the car across in case the engine dies. It’s a no-go if there are passengers in the car as a courtesy to them.
I doubt very many people put that much effort in the decision making process and that’s what kills them. There’s a big difference between “I think I can beat it” and knowing the train can’t possibly hit you.