If you have something that urgent it's better to preemptively turn it off. Yeah yeah, easier said than done, but as a habitual Do Not Disturb user, this has worked well for me.
Honestly, I don't worry about the "urgent call from the doctor" scenario, and I have a family. If it's important, whoever is calling will leave a voicemail. For 99% of the calls I get, it's not even remotely important. I don't structure my life around outlier scenarios. Not having a phone constantly dinging and buzzing for my attention is worth missing the extremely rare emergency.
How do you test for this?
For non-urgent matters like payments, they call once and leave a voicemail.