WCollins
I imagine that both his and my experiences are in the tails of the normal distribution
I imagine that you are right in your assertion.
Of course when evaluating the probability of severe risks on an individual basis the wisest assumption is that you will be at the downside tail, unless you feel very lucky.
In consequence I agree with your earlier comment about planning broadly and Bluskis earlier comment about the value of being trained and current.
Slim Slag
I have just re-read your last posting - you should train as a sophist mate - you have the potential to become a modern day Protagoras