If worth matters to you you should be reassured that in the Ethereum style fork of 2016 no matter which side you agreed with you owned your coins in both chains

If worth matters to you you should be reassured that in the Ethereum style fork of 2016 no matter which side you agreed with you owned your coins in both chains (unless you were a hack victim or hacker). No one was punished for "choosing wrong." The concern about forks happening willy-nilly at the expense of users is sometimes legitimate in smaller chains or maybe even chains like Ethereum which do not incentivize decentralized node services and as a result has majorly centralized nodes, but for Bitcoin and more nascent protocols which understand this problem the concern over arbitrary forks is thankfully frivolous.