Back in the 70's, I worked for money for a contractor, whose license my Father held...
My Dad taught me, as a kid, that if you want to work efficiently, you can't be scared. He also, and concurrently, taught me how to work safely.
Everyone has the ability to screw-up. I can remember that when I worked on ladders, there was always a warning, even back in the '70's, to not use the top. I was taught by everyone I worked with, that it was only sissy boys that ever paid attention to such warnings.
I carried around a 14' wooden step ladder all over the place and I can tell you, I used the top of it a LOT. I don't do that sort of thing much any more but I do occasionally, and I don't consider it foolish to violate what a manufacturer recommends as a safe position on a ladder. All I can say is, if you violate what they warned you about, you should be paying very close attention to what you're doing.
The worst thing you can do, IMHO, is something that scares you. If you are stupid enough to be dared into a scare, you deserve what you get...
Tom