I'm going to make a different argument. If you're flying for fun, it should be for fun. If it's not fun, then don't do it. Maybe you just need a break, or should take some time to do something else. I believe that sometimes in hunches or bad feelings, we're got some data in our head that we've processed as a set of things that are "weird" and put fear around that, that could be justified and real. But we don't know what it is, because we don't have enough information about it to come to a clear conclusion. Just my 2 cents.
That "Hunch" "Weird" feeling is where the "PAVE" and "IMSAFE" acronyms come into play along with the excellent risk/Mitigation example
flyingcheesehead posted above. PAVE and IMSAFE are really just the FAA trying to put "Common Sense" into specific thought or actions. When you have these feeling these tools will often provide specific data as to why you feel that way, or with the risk/mitigation example may help you decided that you can or cannot mitigate the risks acceptably.
an example from a while back, considering a afternoon Glider flight...
Short version I just don't really feel like flying the glider this afternoon even though it is forecast to be a good soaring day.
Longer version
P - Pilot
I- Illness - No
M - Medication - No
A - Alcohol - No
S - Stress, My Wife just called and let me know my 18yr old son was in a motorcycle accident, He is not hurt, but they are going to retrieve the damaged motor cycle. Don't need anything from me, just letting me know.
F - Fatigue I have been up since 6am instructing in a Champ for the past 3 to 4 hours in Windy conditions.
E - Emotion, How is my sons accident and not know more details affecting me?
A - My Glider - Ready to go, Batteries charged, just need to assemble (in the wind), Glider doesn't do very good in crosswind landings (limited rudder authority)
V - Environment - Good soaring conditions forecast, but windy, wind currently down the runway but always have concern of it shifting later in the day when I am returning. Windy conditions often break up the thermals making it more work to stay in the lift and climb,
E - External Pressures - The other glider pilots would really like me to go fly with them
result: Help the other glider pilots launch, go home and watch their online flight traces to see how they are doing.
Brian