ChiSau
You shouldn't worry too much, although your concerns are normal and sensible.
Firstly, the odds are very much in your favour for never experiencing an emergency
Secondly, you should continue to practice the drills so that you can follow the procedures by rote if necessary, which will allow you more thinking time. e.g. EFATO is maintain safe airspeed, shut down systems land within 15 degrees either side
Thirdly, some incidents are dealt with unconsciously - I once had a brake lock on landing and although it was a little alarming, the brake freed in a sub second and I gained control of the displacement from the centreline instinctively