I think it is useful to not over-optimize your life. You want to be prepared for the 5%. That's why I bought a car recently, even though I advocated for the OP'

I think it is useful to not over-optimize your life. You want to be prepared for the 5%. That's why I bought a car recently, even though I advocated for the OP's philosophy before and rented where I could. "Don't cross a river because it is 4 feet deep on average."