what happens if the engine fail after you passed that (higher) DA?
It's called risk assessment and management and, to the maximum extent practicable, should be done by the operator's flight standards and ops eng people in the comfort of their offices and well ahead of the event ...
(a) identify and assess the risk. This may be able to be done quantitatively or, in many cases, only qualitatively
(b) determine what options may be available to mitigate the risk
(c) what mitigation is practical, put in place
(d) if the risk cannot be mitigated to the level desired, either don't do the operation or escalate the decision to accept/reject the risk to an appropriate level
Depending on the operation, there may/may not be regulatory requirements in respect of acceptable risk.
Main thing is not to blunder blindly into the situation of risk and then wonder what might be a good way of surviving ... that's just a good way of killing yourself.