"A man possessed with fear does not consult what is best, but what is safest." Thomas Watson
However, I don't know if we have the ability to be honest with ourselves. We often define our comfort zone as the best solution. Maybe, we learn from hindsight that it wasn't. Or maybe even before the choice is made, we feel an inner wrestling and we wonder what to do. We almost always come down on safety and choose against the "new" or the "best" or the "different." I have had many people ask me for advice wondering what God wants them to do in a situation. They actually know what God wants them to do, but they don't want to do it. (I've been there myself many times.) We often love to avoid the best and try to keep it safe. (I should note that there might be times in which the safe way is the best way; choosing not to touch hot stoves, for example.)
Let me leave you with two thoughts from Scripture about fear: 1) "For you did not receive a spirit that makes you a slave again to fear, but you received the Spirit of sonship. And by him we cry, 'Abba, Father'" (Romans 8:15). In other words, because of the relationship with God we may have, we don't need to live in fear. Instead, we may live with the spirit of love that comes from God. Out of our love relationship that we may have with God, we may make choices of courage despite our fear. 2) "For God did not give us a spirit of timidity, but a spirit of power, of love and of self-discipline" (2 Timothy 1:7). Fear does not come from God. Rather, in relationship to him God will give us the ability through his Spirit to make decisions with power (in God this is possible), with love (in God this person is valuable and made in his image), and with self-discipline (in God what is best and true is chosen over how one feels).
We do not need to be a slave to fear. Since that is true, let us aim for what is best and not for the safety of comfort zones. So, as we make decisions, we should ask, "Is this what is best, or is this just playing it safe?"