I would say, ignore both of them (the HNers advising you above in good earnest). You will cross that bridge if/when there is a need. The disruption to a happy phase can come in various guises. Don't mend if it ain't broke, they say. Also make hay while the sun shines & may be it will shine longer.

Yes, that's why I said his call - I'm just a random stranger (no expert, no family member, no good friend etc), the weight of the things I say is close to zero and this is fine.

On the other hand sometimes it may be good to have a pillow to soften a fall. If nothing happens, I spent that money on myself, no big deal, but if a tragedy happens out of the blue then it may save his life. It saved mine.

I understand. And that's why even in my post I said 'good earnest'. But I feared by OP's last comment that he was beginning to take the advise seriously. So I thought my duty to put an affirming point.

You guys, I'm much more stable and logical than my writing would have you believe. :D