I always put my phone on silent before I go to bed. There's no way I'm getting woken up to someone ringing me.

I use do not disturb mode between 11pm and 9am. If you're in my contacts list it'll ring (silent), otherwise you're going straight to voicemail. The concept of being woken up by phone a phone call (other than being actively on call for some reason) is crazy.

Do you never worry about missing a family emergency call? Like an accident or death or similar?

I don't accept general calls overnight, but I'd hate to miss the call.

That's what the "do not disturb" mode is for in iOS - you can let either contacts, or favorites, through IIRC.

And it's extremely useful, I don't get random calls in the middle of the night unless it's PagerDuty, select coworkers (in case something is a big-deal before PD calls me 10 minutes after the push notification) and family.

Precisely: < everyone | no one | favorites | selected contact group > + [ anyone that calls twice within 3 min ]

It's absolutely essential. I travel a fair bit and I have been woken at 3 in the morning by work colleagues.

In this case I had other phones for emergency contact (satcom), and in the event of a genuine emergency I'd be woken up by a soldier or PA system.