I wasn't talking about what he acted like, but what he wanted to be like. He just never had the confidence to actually be a risk taker until the powers and the mask.
The same might be true for this Peter, but I'm guessing he is a bit more confident and a bit more of a risk-taker than High School Pete was simply due to being a fully-grown adult by this point. So a 28-year old Pete with no powers is a bit more like Spider-Man in that sense.