Things only get as hard as you make them, and unless you are in the business of getting yourself killed the stress is shared by both seats. The industry is what it is, but i dont fly a jet so I am obviously an inferior pilot that never has to deal with cruising at FL400, or shooting an ILS into class B airspace or getting vectored onto the final course at every airport that I go to. I am just glad that they only make me do full procedure approaches and land at uncontrolled fields 4 out of 9 legs in one day.