Devil’s Advocate:
With premise zero, when I say that “life is good” I do not mean biological, animal or even human life, in general; I refer exclusively to my own life and my awareness of it.
My standard of “good” is the existence of my own consciousness and its activity.
To think is good, all material and productive benefits aside, primarily because thinking is the activity of my own consciousness; I conceive of it almost as the metabolic action of my mind. So premise zero essentially means:
“I think therefore I am, and that is a good thing”.
And though it may seem redundant to specify that, there is an alternative approach to morality. If put into such terms it would consist of:
“I think therefore I am, and that is evil”.
The perpetrators of such an ethical base include everyone who, by any of their various methods, attempts to exist without thought. That is incidentally the fundamental error in every statist/collectivist ideology which has ever or will ever exist; the desire to escape from awareness.
Now, when I say that the “rewards outweigh the risks” I mean precisely that; some states of awareness are pleasant and some are not. Sometimes the truth hurts. Sometimes people give the absolutely best attempt they can and still fail miserably.
But the rewards outweigh the risks in that no matter what pain or sorrow anyone ends up enduring for their goals, it is never worth it to invert premise zero and (figuratively) sell their soul.
So I’m not making any sort of sweeping generalization at all, there; I’m explicitly mentioning a fundamental choice which every human being has made (sometimes even reversed, multiple times) and which sets the terms for everything else.
Ayn Rand called it “love of life” which is what I’m continuing, because this is an Objectivist website, but personally I think the “love of consciousness” is more appropriate (though certainly not as catchy).
p0- Life is good; the rewards are worth the risks