you're totally correct that emergencies are where the real issues lie. That's why we've built in multiple layers of fault tolerance so that a generator failure or a flight computer failure doesn't immediately revert you to a direct law control scheme (I'm assuming you're familiar with Airbus control laws given that you're using those phrases)
On top of everything, small GA aircraft have the luxury of being to use a ballistic parachute (which we will have) to bring the entire airframe to the ground in the event of a complete system failure. Which is always better than just letting the airplane crash into the ground.
I agree that proficiency is a fundamental issue. We want to make it easy to be and stay proficient. If flying becomes part of the primary mission, you do it more often and as a result stay proficient. The most dangerous pilots are the ones who haven't flown in 3 years and jump into a plane for an IFR cross country to an airport they've never been to before. We don't want that to happen either.