'creamy' you go under the knife for an Op. Do you know the probabilities & consequences? No, nobody would entirely.
Due you accept the risks? Yes, I see no difference to that or hoping aboard a plane & accepting both 'cause nobody knows all the risks or probabilities in any activity from simply driving yr car down the street to having open heart surgery.
That's why we have insurance in it's many forms as we simply don't understand the probabilities or the consequences by our actions.
That's the way I see it anyway, I accept the risk udderwise I wouldn't get out of bed:-)
Wmk2