I don't think that is being overly worried.

They are just talking about long-term disability!? I have it as well, for mostly the same reasons. I worry that if something were to happen to my hands, eyes, or brain that I wouldn't be able to provide for myself or my family.

I don't think having disability insurance is "that much worry".

No objections from me to disability insurance. I was specifically referring to this part: now I'm worried about eyesight, and my hands, and everything else around the modern world. especially after having purchased insurance.

That sounds like a person who is on a lookout for something to be worried about, pretty much the definition of anxiety.

on one hand 'biggest worry' - your biggest worry, statistically speaking, should be driving to work, as a young person, and eating cheeseburgers, if you are older. If you're more afraid of other things, like crime or whatever, than you are of driving to work, yeah, that's not rational.

On the other hand, i think disability insurance is not even a little bit crazy; Of course, know that if you use it, you'll probably use it because you got screwed up in an auto accident (few people carry enough insurance to cover lost work for a software engineer for very long) but I think auto accidents are common enough to want to hedge against it.