[nrr]

It's all part of the actuarial mindset. The entire point of the exercise is to arrive at a model of reality that has some degree of predictive power.

> For me the only things that scare me are in the "I have no data on that" category.

I feel exactly the same way. It means that I have no idea what those things will wind up costing me, and that's the anxiety trigger as far as I'm concerned.