ClippedCub has the basic story -
(a) an aircraft should be designed according to well understood principles while, at the same time, being able to comply with the Design Standards (for certification) or being suitable for negotiating concessions against the Standards
(b) weight and cost are critical
(c) no OEM is going to overdesign structure for an extreme event outside the certification process unless there is a very good reason to do so
(d) there will be rare events outside the Design Standards ambit where a structure is overwhelmed. On such occasions, and with the benefit of hindsight, one was well placed staying in bed and missing the flight.
Overall, the main risk, still, is in getting to and from the airport .... (airline food is another matter, perhaps)