And what do you think of them?
Are you saying you don't base your plans on unlikely events? Does that mean you don't fasten your seat belt, as it is unlikely you will get in a crash on any single trip? I've only been in one serious crash, but the seat belt probably saved my life. I wear it every time I get in a car.
I don't think I've ever tripped a circuit breaker in this home, though our electricity is on 24/7 for over 20 years. I guess those circuit breakers are just a waste of resources!
And so on.
Planning for the possibility of an event is not the same as expecting that event to happen. What is your plan?
-ERD50