I think this is less about her being willing to not play safe and more about her actually lacking a lot of practical knowledge. She knows about Antarctica but she's very green in terms of worldly matters, which in their case can be as fatal, not to the actual survival part, but to the actually getting there part.
Also, she has the potential to be psychologically unstable. She's probably not going down that way, but as an adult, if you think there's even a 1% probability of something going wrong, you're probably going to rule out the idea of bringing her along altogether.
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