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Do pilots of small aircraft consider this in practice?No. Not unless it's required (doing aerobatics work requires it, which is rather more likely to overstress the aircraft than regular mostly straight and level flying).
Small airplanes just don't fall apart in flight (exceptions like the Piper wing spar in training duty are just that - exceptions, and typically lead to a lot of exception requirements). They only come apart if you've already screwed up a lot - usually lost control flying into a cloud without an instrument rating and ended up in a graveyard spiral (nose down, steep bank, you either hit the ground at speed or pull the wings off first, and then hit the ground at speed).
I know a lot of GA pilots. I know none who fly with parachutes.
Things like the Cirrus airframe chute are interesting, and have saved some people, but Cirrus seems to attract a large number of people who outfly their skill level and get themselves into a lot of trouble. Sometimes the parachute helps, but they shouldn't have been there in the first place.
General wisdom is that once the engine quits, the airframe is the insurance company's problem. However, an awful lot of the time, the pilot is able to perform a safe off-airport landing with minimal or no damage to the aircraft. You can safely land on roads, in fields, in random desert, etc, and walk away with a perfectly usable airplane. A typical single engine GA aircraft only lands at about 50mph. It really doesn't take much distance to get down and, if not stopped, at least slow enough that you don't really hurt yourself or the airframe if you go off the end of [whatever].