Why must I think so much?!

So tonight a guy I know and his band are playing a gig in the city, an hour and a half away. Another friend of mine (more of an acquaintance) offered to take me (since I don't drive in the city). My gut instinct was no. 1) The city at night alone as a 20 year old woman doesn't sound like a good idea. 2) I've never been in a car with this friend and don't know how she drives and driving in the city scares me enough. She's also only 18. I hate being so logical and afraid. For once I just want to be the normal 20 year old that says "A rock concert? Hell yeah! Let's go risk getting felt up or shot!" (I'm not being serious obviously, that's just what accepting the invitation would feel like). Why can't I just go do fun normal young people things without worrying so much? I want at least some stories to tell one day other than the fact that I spend all my time reading or watching Netflix or playing music by myself.