The other commenters have covered this pretty well. I came here to say that, for well over 90% of the time, the naive stess-testing heuristic not only works we

The other commenters have covered this pretty well. I came here to say that, for well over 90% of the time, the naive stess-testing heuristic not only works well, it is overkill for the true stresses which will occur in at least the medium term.