Of course fear and prudence are the same things, just viewed through different lenses!
I would beg to differ about odds - you use odds all the time, even if not consistently or explicitly.
The risk/odds of becoming pregnant from one act of unprotected sex were too high given your perception of the possible costs vs the benefits. But protected sex did not have zero pregnancy risk and there were other risks associated with the use of one or the other sort of birth control. Explicitly or more likely implicitly you weighed those odds and the values of the possible outcomes and made choices, based on your values and how strongly you weighted different positive and negative outcomes. Others of course made different decisions about those risks, sometimes not driven by rational analysis but by the value of one of those choices to them in that specific moment.
Mind you many of us are very inconsistent in how we apply those risk/benefit calculations and perception of risk often diverges from actual numbers. Generally speaking we are crappy at the risk analysis process with emotional valence driving it a whole bunch, and highly influenced by the choices that others immediately around us are making.
Some posting to this thread place little to even adverse value on the sorts of social connectedness that the op was referencing, like hugs, pats on the shoulder, shaking hands, or even merely being part of a larger group sharing an experience together in a real world space. Having a reason to avoid that appeals to them. They should require no excuse and have their desires respected at all times but I do not believe that they represent the norm of humanity or of American culture. More people find value to being at the game with thousands of others, hugging an old friend they have not seen in a while … and will be willing, even eager, to take certain levels of risk to do those things, especially once they see others around them doing it.