This raises one of my old fovourite airmanship issues. I have had a flight plan and operational plan filed by ops staff on many occassions using an airfield which has NOTAMed no diversions with fuel loaded only for that diversion. This is something that we should all check and plan for before departure.
The only thing that catches you out is the unexpected, try and think of the possible problems before departure and there is less chance of any situation being unexpected.
MM