
I don't think you will die if you don't take the MSF class. However, the skills they teach in the class are necessary to handle the bike adquately. That said, you don't NEED MSF to learn and practice those skills. "MSF" does not have a legal patent on how one rides a bike. "MSF" only has legal ownership of their materials for the program.
I have not taken MSF yet. I have been in a parking lot since hopping on my bike. I'm there because I do not have a license, but I have a permit. I will take MSF as it is the only means available to me to get a new license out here. So that's what I'll do.
Bottom line, you should learn how to handle the bike so you may be in control for all situations. That will take practice. That will take riding experience. That will take trial and error. Keep yourself in a proper and safe environment and practice well to be successful. Go pass a test and receive your license, but for your own self, learn how to ride.