As for leaving your plane to smash into some poor blokes house cos's you baled out...well, is that not what the military do?! The aeroplane is going to come down wheather you stay in it and be a hero or not...
As for being "wimps", well perhaps you wont feel so smug when you know somebody who dies cos the engine failed at night! As I mentioned in an earier forum, I lost my best friend because of an engine failing at night and over the water (and let me tell you that a controlled ditching in the North Sea at night is not going to be my first choice) should I be foolish enough to fly 'SE' at night again. And by the way, his last words were to me "Whats the chances of the engine failing at night?"
Sure the engine might not know it's dark, but is that a risk your prepared to take? Not me anymore.
Your choice of course!