"Hope for the best, expect the worst." So, in the end, what happens with all that extra planning? If you keep planning for the worst (which is like me packing for a trip), don't you end up with all this extra work that goes for naught? Downside risk is the key. What kind of "unplannedness" am I willing to live with? Am I spontaneous enough to accept that not everything will go my way, as much or little as I plan? Am I open enough changing plans on a dime, just for the fun of it?

Two years ago, I would probably have said no. Today, that is my life. Is that bad? Certainly not. It makes for stories for my grandkids (and some not suitable for them).