D&D PCs are like these folk. They are better than farmers in the realm of adventuring because (by training, generics, or magic) they are better suited to the job. They have the best gear, training, and are slightly less risk-adverse than the typical folk.
Now, in D&D if I do something dangerous (attack an ogre or rescue a drowning child) I see no fault in minimizing my personal risk. That includes maximizing my chances of success. That's what these folks above do every day. They don't charge into burning buildings in T-shirts and sandals, they do everything needed to minimize risk and maximize success. Are they any less heroic for doing so?
Which is more heroic, the deed or the intention?