All that means is that you haven't properly understood the risk, IMHO :)
Edit: actually I went back and read your comment again and I misread the second part of your comment to indicate that I didn't understand something. I get what you mean, but I think tail risk can get ignored a bit more when you're quantifying risk, because it is very difficult to quantify.
A likely risk of time spent outside is sunburn.
A long term risk of time spent outside is skin cancer.
A long tail risk of time spent outside is getting hit by lightning.