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.
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.