There are many areas in life where it makes sense to both go all-in... and have some fallback plan in case things go utterly south. I don't plan to need catast

There are many areas in life where it makes sense to both go all-in... and have some fallback plan in case things go utterly south. I don't plan to need catastrophic health insurance -- I'll work as hard as I can to avoid it -- but I still carry it.