It is actually quite high. The problem is that we won't really know until it is too late. For instance, if the growth of phytoplankton collapses, it might wel

It is actually quite high. The problem is that we won't really know until it is too late. For instance, if the growth of phytoplankton collapses, it might well mean that really large ecosystems collapse in relatively short order. And it isn't really as simple as "well, I don't eat fish anyway". It is unlikely that other ecosystems wouldn't be affected by this. There is a greater than zero probability that if this happened today you would be dead in a few years. If not of starvation then due to societal collapses resulting from a sudden shortage of resources. The thing is, the things that can result from climate change are not part of our experience so we can't really relate to it. We're used to "tomorrow is going to be more or less like today" and "well, this has never happened before so it can't happen".