I must be quite different from quite a few pilots who post here.
When flying single engine airplanes I try and plan my approaches to the landing area at a vertical approach angle that will allow me to either land on the airport or on a nearby clear area if available should the engine fail.
Three degree approach angles never enter my mind when flying singles.
I do not fly single engine IFR in IMC.
I do not fly single engine wheel airplanes beyond gliding distance of land.
I do not fly single engine airplanes at night except in the circuit for training.....and that was some years ago.
I am a firm believer in stacking the cards in my favor when ever possible because there will be enough times when one has to increase the risk factors without doing it for no good reason. .