IMO you're paying cash up front for perk rides. Once you pay it's done for, you're paying for the priveledge of flying that plane. If you make it back, it's an added bonus that you get your perks back.
Like gambling, you have to be ready to lose it the moment you place the bet.
It's not just you, Cro! I've done some boneheaded stuff myself. I came in high over a horde steamrolling a friendly base. There's a set of B24s ready to finish off the town and 50+ enemy all over the place. So I come down to get the 24s (help slow down the base capture) annnnnnnnnd
I promptly compress. I trim out juuuuuuust enough to plow in at 10 degrees of nose-down angle, just below the B24s, giving them a proxy. Not only did I not scare them, they hit the town, and we lost the field.
Another time I was trying to make a slashing attack from the side on a formation of B26s, and despite actually hitting one of them, I rammed one of the drones, damaging myself, with crap-loads of ammo and fuel left I was forced to RTB (I made it though!).
Another time I was coming down slightly fast on a set of lancs (wasn't too much higher) and was diving well ahead of them to pull up and do a high-speed HO, only I snapped both my wing off - both straight to the wingroot (still angry at the flight modeling on the wings! Shouldn't ever happen!)
Then, there's times when I roll, get kills, take damage, land safely, reup immediately, get more kills, and land 13 cumulative in a row.
Sometimes you eat the bear, sometimes the bear eats you.