Self-efficacy as an attitude that tones down risk: sounds interesting?

A mountain climber(Person MC) that has climbing self-efficacy (CSE) will see the prospect of climbing a mountain less risk than a person without such attitude.  This will make the risks involved seem more attainable and the possible consequences of a mishap less threatening. 

But will this attitude affect the risk propensity of the mountain climber when compared to a person without the attitude (normal person NP)?  Coudl the risk propensity could very well be the same?

Well, risk propensity in turn depends on risk perception - a person that sees no risk in prospects will be more risk prone since he sees less subjective risk. But the objective risk may be the same. After all climbing self-efficacy may not enable a person to climb a mountain better than a person without it.  The mountain is the same mountain.   Are risk perception and risk risk propensity mutually dependent on each other?

How to measure risk propensity independent of risk perception?  Perhaps we can test risp propensity in a situation where MC and NP have the same risk-perception such as crossing a river: the person who dares most with the same risk perception has more risk propensity. 

Risk propensity can lower risk perception so that a person's will perceive less risk when they are prone to try their luck.  Or what do you think?