The Skittles analogy is simple, and it hard to see how anyone could misunderstand it - unless they are intentionally pretending to "misunderstand" it.
The actual basis of the analogy is common sense - why take a serious, preventable risk, even if it is a relatively low probability, and even if the higher probability outcome is a good thing.
I distinctly remember a Pharmacology Professor telling us in med school that he would not prescribe a new drug until it had been on the market for six years.