It's a fairly common occurrence for me to drive to the grocery store, buy my groceries, and return home without crashing. Yet, I wear my seatbelt for the worst-case outcome not the typical or most common outcome.

Likewise, I wouldn't issue police equipment based on the extremely common case where a policeman doesn't need a vest nor a gun all day and, in fact, on the majority of days doesn't even need their set of handcuffs.