I don't believe in general that they are, any more than most of us are capable of assessing risk.
I think you are wrong. I assess “risk” every day of my life, every time I leave my home. I am sure that you do too … for example, defensive driving practices involve assessing risk … you know, assessing the risk caused by the idiot weaving on the freeway and taking evasive action.
For women, it involves risk you may not even think of. For example: the risk of walking to your car at night in the car park, going on a first date with a man, first appointment with a new male physician, etc. I personally have to do risk assessments daily because I live in an urban area. I have been verbally and physically assaulted, more than once, and I’m just counting the year 2019. My own “risk assessment” indicated to me that 1. I need to start carrying a Taser and, 2. I need to stop being so “nice”, in other words if you approach me screaming in my face I will not hesitate to throat punch you (this has happened).
And no, I will not move or stop walking my dogs or stop walking to my local shops. In addition, these sorts of things have been happening all of my life, even when I lived in suburban or rural areas. I wish someone like you, who think women are incapable of assessing risk, could somehow become a “woman for a day” and walk around in public in order to experience these things.