"If I was going to fret over "odds" I sure as hell wouldn't get into a car. Much greater chance of buying it in a MVA than by being killed in a criminal attack."
You do carry personal insurance and auto insurance though, don't you? You'd be foolish not to even though the chances of you being killed or even seriously injured in an auto accident are very slim. You carry homwowner's insurance too, don't you? Even though the chances of your house being destroyed are extremely slim.
The chances of something happening are very unlikely but you still carry insurance because IF something does happen it WILL be a serious life altering event. It could put you into financial ruin even if you survive the crash, fire, hurricane, flood, etc.
In the case of not being prepared to thwart a criminal attack, you could be seriously injured, crippled for life, or killed (kidnapped, dumped into the woods with a bullet in the head, throat slit, etc) and either could put you or your family into financial ruin as well.
So, discontinue your insurances (If the mortgage company and DMV will let you) to include your personal insurance since it's a waste of money. According to your reasoning, nothing will likely happen anyway.