I view all insurance as protection from financial catastrophy from anything I cannot afford to cover without it. Sounds as if you're good without disability insurance. Typically disability insurance is pretty cheap though. BUT, what about personal liability? LTC? Medical? The risks these cover you for can be significant. But I'm sure you know that.
Can't you see yourself in the nursing home saying, " Darn! Wish I'd spent more time at the office instead of wasting time with family and friends."