Final answer:
The statement is true, as new drivers should avoid complex risk situations until they gain more experience, in line with the Dunning-Kruger effect cautioning against overestimating one's abilities in new areas.
Step-by-step explanation:
The statement 'you should avoid driving in complex risk situations until you gain experience' is True. When a person is new to driving, it's essential to take the time to build experience and expertise in operating a vehicle before attempting to navigate high-risk environments. This approach aligns with the Dunning-Kruger effect, which cautions against overestimating one's abilities in new and complex situations. As an inexperienced driver, one's ability to assess and respond to dynamic driving challenges is still developing, so it is advisable to practice driving in less demanding conditions to gradually improve skills and judgment.