In reply to botheclimber:
Be rational. Work out how likely you are to fall, and if you're sure you're not going to fall (at about the level of certainty of "I'm not going to crash the car with my family in it" which is something you probably have confidence in despite the far greater objective danger) then it makes no difference whether you've got gear or not.
If you're likely to fall off, back off. If you're good enough to do the route, and you want to do it, do it.
Making this judgement is quite hard because an irrational lack of confidence can make you more likely to fall off, so it's all a bit circular. This is where you really have to submit to the magic and mystery of your own psyche and just look at a route and use a bit of gut instinct, and ask yourself "can I do it?". If the answer is yes, and it can be backed up rationally, then do it. If the answer is "well yes, I should be able to, but I've just wee'd myself a bit" then come back another day when it feels right.