Indeed, big companies often do disaster prepareness exercises from a business continuity point of view. I remember doing one 15 years ago at a Big 4 accounting firm. Failing everything (including my little bit) across to secondary site in another city, and it had to be done by someone other than me (since I was the main person responsible for my system).

As they say, you should always check you can restore your backups.

Those are both reasonable attitudes.

Once you've actually successfully navigated any particular disaster scenario, you will try to avoid situations that look like they could contribute to a repeat. My wife once had a laptop stolen out of the trunk of a car; she is now hyperaware of where and how she parks and what is visible through the windows.