I try to talk myself out of it. Sometimes i go through with it, and sometimes i don't. But sometimes, i wonder whether i'm only saying it's a bad idea because i'm being paranoid, overly critical/thinking, or whether it really isn't a good idea. I think i've talked myself out of so many things, that i'm not sure half the time what is really a bad idea.
I think maybe the real question is, what makes it a bad idea? The fact that it's obviously a bad idea, that you're fearful of the outcome, or that you don't want to take the risk, or that you're not sure if you'll recover from it if you do make that decision?