Your Chances of Dying

I posted this because of this:

https://news.ycombinator.com/item?id=9569934

I wondered if it was in fact worth the effort to "get your shit together" vs. the probability of an event as described even happening. Unfortunately not everything that one should ideally, one can do. Time doesn't permit mitigating all evils or "maybes" and after the fact (or when you are freshly impacted by someone else's tragedy) doing things like this always seems more important that it statistically.