For me the medical care wouldn’t change much because you can still die a lot of ways and getting hurt probably still hurts a lot.
The big difference for me would be transporters. I hate traveling because for me the destination is the destination and the journey is just an annoyance. There are a thousand places I’d visit if getting there wasn’t such a pain in the ass.
Personally, I don't see much of a difference between the 2 scenarios if your new hobby kills you and they clone you "back to life". Particularly if you are scanned at the "hold my beer" moment (perhaps initiated by you) and they bring you back immediately, and nobody tells you(/thinks) that you're a clone.
I could even see that as a psychological crutch. "No I didn't die, they were locked on to my location and just used the transporter to save me when my parachute didn't open! I was never in any danger."
Plus I’m thinking you’d need an unlicensed transporter to do that and disable whatever locks are designed to prevent people from doing exactly that. But then I’d forget to do some maintenance on a Heisenberg compensator and end up inside out in the mirror universe or something.