Due to public audit of operative mortality after cardiac surgery, surgeons tend to avoid procedures with high early mortality risk. However there may be considerable risks in avoiding this risk. Careful balancing of therapeutic options from both the clinical perspective, the patient perspective, and from societal perspective, including taking the long view on outcome, is essential for optimal tailoring of treatment to the individual patient in current clinical practice. Illustrated by three structural heart disease cases, all three perspectives are discussed in this paper. From a clinical perspective, the risk in avoiding risk may be minimized by developing and using novel prognostic models that are able to simultaneously combine several longitudinally collected data during patient follow-up with these patients' outcome. From a patient perspective, the implementation of patient information portals and decision aids, to support shared decision making, will empower and serve the individual patient in balancing risks and benefits. From a societal perspective, there might be a risk in avoiding risk by reimbursing interventions with a small decrease in risk associated with high costs, causing limited access to other healthcare interventions with higher health gains using the same amount of resources. Policy makers should therefore inform their funding decisions based on cost-effectiveness analyses. The tools described in this paperreliable prognostic models for clinicians, decision aids for patients, and cost-effectiveness models for health care decision makers-will help to find an optimal balance in 21st century structural heart disease treatment decision making from all perspectives.