(low probability) x (high impact) = ("expected value" of catastrophe) In risk management in general, you usually want to consider the "expected value" of the c

(low probability) x (high impact) = ("expected value" of catastrophe) In risk management in general, you usually want to consider the "expected value" of the catastrophic event instead of just the impact or probability alone. The probability that you'll get locked out probably doesn't actually run that large. How much do you have tied to the account? You should usually take low probability events of sufficiently large "expected value" catastrophe size seriously enough to mitigate the expected value. Running your own email server is pretty easy, except for sending mail. You should probably just use a reliable relay host with a good mail reputation and relay your outgoing mail through it, and follow-up that your email gets received. This has worked pretty well for me over the years. I've only ever had one place reject my reputable-host-relayed mail with my domain on it, so I send my outgoing mail to them from gmail. You never really have a problem with incoming mail at your MX records, and out-going mail with your domain on it works easily with like 99% deliverability if you use a reputable provider as a relay.