For me the big thing and the reason why I'd push myself is because I desire to live a life that isn't ruled with an iron fist, by fear. This is where my phobia was going- that I was so controlled by the fear that I wasn't enjoying life like I wanted to. I hate the idea that fear will hold such power over me, and I finally got to a point that I decided not to let it do that.
Ironically, the more I pushed myself, the better the phobia got. I am still absolutely an emet, but it's so much better than a year and a half ago, and I will keep working with the hope that someday I can control it, not have it control me
What I've been realizing is that all of this is in my head. And it's about learning to master those thoughts, and not let them take root (which always led to a panic).
And as a follow up to what you said, I've yet to have something bad happen from my risk taking, but even if I did I would continue to push myself. What I've realized as I've pushed, is that 99% of the time, nothing bad will happen. I have learned the healthy amount of caution (washing hands before eating) vs unhealthy (obsessively sanitizing). And at the point I am now, I'm amazed at how much more free I feel. This feeling of freedom is what keeps me pushing myself.
That being said, everyone is at a different point, and some may not desire to do what I'm doing, and if that's where you want to be, or are able to be, then that's just what it is!