Seems to me it's the usual deal: The odds are low, but the stakes are high.
I've never had any sort of major car wreck, nor had a house catch fire, but I've been paying those insurance premiums forever and ever.
I figure that meddling around in bear country is a low-odds, high-stakes deal, and some sort of insurance--including alertness--is rational thought.
You're from BATFE? Come right in! I use all your fine products!