You have to match the pilot with the plane with the mission. If any of those are out of balance bad things can happen. Otherwise, if flown by conscientious and proficient pilots, on missions that the pilots and planes are equipped for, safety is very good. On the order of fatal accident rates well below 1 per 100K hours. What you read about in NTSB reports are 9/10 times the result of an imbalance of these factors.
As an example, a 150 hour conscientious VFR pilot, flying a C182 on a good weather day on a 100nm cross country, will have a calculated fatal rate well below 1 per 100K hours.
A 10,000 hr, nerves of steel, ATP rated pilot trying to take a C182 across the Rockies during a named winter storm..... Well I would not want to the the backer on his/her insurance policy.
The problem with trying to apply population statistics with flying to individual risk, is that individual risk is just so modifiable.