Ziki, we are only trying to point out possible reasons for not doing it, which has all been good advice as far as I can see. Something about doing it you may not have thought of.
As for real world experience and unrealistic catastrophic scenarios, I am speaking about those. I work in insurance and for example, just did a report on a dentist who lost some fingers while changing a tire. Talk about a life changing event!!! poop happens and we are only trying to guide you in the right direction. Don't take it the wrong way bud.
Joey