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I don't know about you but I don't prepare for trouble based on the statistical probability of what might happen to me.

Sure you do. You probably don't have a can of shark repellent with you right now. Why not? Because you have figured out that the probability of you being attacked by a shark at this point and time is virtually nonexistent.
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I take into account the general categories of bad things that happen (regardless of the "odds" of them actually happening) and try to work with broad spectrum tools and techniques that stand a chance of working under the widest variety of conditions.

And that, my friend, is a form of statistical analysis. It isn't high level and real precise, but you are still analyzing the data you have and then determining what actions you need to take to reduce your likelihood of danger. You do take into account the "odds" of them actually happening, you just don't do it on a conscious level.