When you are young and "invincible" it is very easy to feel like you can pen things off (the nature of your company can instill those thoughts in ones brain for comercial reasons).
But dont ever compromise saftey...... How? .... Use 'the book' and throw its contents at those who try to influence you to do otherwise. It sure beats the hell out of 'the book' being thrown at you in a court of law.
By the book for me. You're covered.