[bumby]

This is a risk perspective (and a correct one). But the risk is quantifiable. It's generally probability x severity.

So what's my probability of moving to a beach town and never needing boots again? Probably very low, since I will be unlikely to move and even if I did I would still use my boots for things like hiking, working around the house, etc. The risk is therefore very small as well. The same can be applied to your other scenarios. Uncertainty makes us uncomfortable, but it can often be reasonably quantified.