Many seem just to cross fingers and hope.
I have always been unable to do that. It makes me too anxious to not have a half ass plan at the very least. Not sure how others are able to do that without all the anxiety attached.
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I think it is because of their assumptions and expectations that the future cost won't be too high.
It would be easier to just drop the stuff that isn't used daily. Most days, the probability of the average soldier being shot is relatively low, right? So why take a helmet and vests?
We are made to plan, because we are made to mitigate risks. But it isn't always an option just to stay home.