I was thinking about something that I didn't already fear. I should have been more clear. Your example is exactly the type of thing I also stress over, but it also sounds like it is something that it is healthy to have at least some fear over.

I can also 'reason' myself into a panic in these situations. But afterwards I usually realize I was experiencing some type of cognitive distortion, and I wasn't being quite as logical as I thought I was.

Sounds like we learned a lot of similar stuff in CBT. Really changed my life for the positive as well. But It's still a struggle.