“Risk reduction comes from remaining active and current”
Nope, I’ve never believed that for an instant.
Lowering risk in one area can actually raise risk in other areas.
The more you fly, the more exposed you are to bird strikes, engine failures, brake locks/leaks, mid-airs, off airport precautionary landings, etc. There are plenty of accidents with an instructor in the right seat.
Think of it in the same way as riding a motorcycle every day in traffic; skill only goes so far when everything out there is still trying to get you.