@UConnDan97 is talking about the probability of the risk occurring. That will not change based on if you are 12-0 or 0-12. You are talking about the severity of the impact if that risk did occur. That changes based on circumstance of if you are 12-0 or 0-12. One may be willing to take on the lesser probability option if the impact of the risk is less and that is what you are saying.You keep talking around the same point that everyone is in agreement on. A PAT vs 2pt odds for a given team are the same whether they are 12-0 or 0-12. We all agree that is one data point.
The risk of converting or not converting is absolutely situationally dependent, which I guess is what you're referring to as "dealing with the risk". I don't see how the scales tip to less consequence when your season is essentially shot and a big conversion that gets a win is a huge momentum changer.