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[I think he is just saying that Irwin was over the top and it cost him his life.]

That's exactly what he is saying and he is 100% wrong. Steve Irwin died while engaging in the same type of low risk pleasure snorkeling that couples engage in on their honeymoon. Those who pretend out loud that he died from taking a risk are only displaying an obvious jealousy.

It would be just as inappropriate to disparage Jean-Michel's death from a heart attack (were he to die that way) and gloat "Oh, well. That's what you get for not taking any risks in life. You keel over sitting at home straining on your toilet." NO CLASS.

Maybe you have seen the video of his death and are aware of the setting in which he was killed, I haven't, but the fact that you consider swimming with a sting ray as low risk is the point that was being made. It's not low risk to be close to wild animals and I think Irwin's death bears that out.
We have been repeatedly exposed to risk takers, on televisions, to such an extent that we no longer realize the danger that wild animals pose to humans.
If Irwin was engaging in a low risk undertaking I wonder why a production crew was filming the event. There was nothing low risk about his television show.
I think it would be appropriate for a final episode of his show to consist of a montage of his encounters with wild animals including the last one.