In reply to both of the comments above, okay, perhaps my driving example wasn't the best. It was the first thing that came to mind, but I think my underlying point remains valid and applies to many other choices that one could commonly make in a life that isn't completely sheltered which nonetheless carry certain catastrophic long-tail risks. Life is by default risky, and all the more so if one lives it with some sense of adventure. this twirls all the way down into a whole series of sub-decisions that you could make inside a single larger decision. To worry too much about catastrophic long-tail risks throughout is a recipe for worrying far too much sometimes.