You list five things that can help to reduce the incidence of engine failure.
None of these things eliminate it.
Imagine flying at night or in acutal IMC or, better yet, night actual IMC in a single and hearing the sudden silence, despite your having done everything possible to maintain the engine and fuel supply system in good operating condition.
It happens, and your survival will depensd upon your having thought ahead of what your alternatives might be.
Nobody would like facing a forced landing at night or in bad weather, but the time may come when there isn't a choice.
You can reduce risk through proper maintenance, but you can't eliminate it.
When you rely upon the continued operation of the one powerplant to get you through a bad stretch, you're undertaking an additional risk.
The risk of engine failure can be reduced but not elminated.
The probability of a bad outcome following an engine failure can also be reduced, but only if we recognize the possibility and plan for it.
It's not a matter of if, it's a matter of when if you fly enough hours.