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In your case, I would colllect the cases - only because it sounds like you are always going to worry about some liability you have out there.
Could the situation you describe happen - I won't say it's impossible, but chances are much more likely of some other catastrophe befalling you such as a car accident on the way to the range, accident on the shooting range, fatal illness, etc.
Easy answer: if you feel it's such a risk, then pick'em up.
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