If we're going to live a little dangerously, I think we need to stop wasting our time planning for every worst case scenario. In almost any risk you take, the likelihood of actually winding up in the worst case scenario is incredibly low. Spending all of your time and energy preparing for it is wasted.
Hope is the very seed of marriage. Without it, we have no chance of growing. Yes, some of us may get temporarily battered down by storms. Some of us may eventually wilt and wither to nothing. Some of us may die and find rebirth in an entirely new seed of hope. But what good is planting a seed in the first place if you don't have 100 percent faith that it will grow?