Perhaps you are preparing for something much worse than your own death but equally improbable. Alternatively, perhaps you already have your affairs in order and there isn’t much valuable stuff you can do to prepare for your own death.
Naturally it’s not /necessarily/ true—rules-of-thumb aren’t always true, they just tend to be handy in a large portion of circumstances. Their main utility comes from having them cached and easily recalled, so that you don’t have to waste a lot of time re-deriving them from scratch; this utility comes at the cost of not being applicable in every conceivable situation, but doesn’t mean they’re totally useless.
That’s not necessarily true.
Perhaps you are preparing for something much worse than your own death but equally improbable. Alternatively, perhaps you already have your affairs in order and there isn’t much valuable stuff you can do to prepare for your own death.
Naturally it’s not /necessarily/ true—rules-of-thumb aren’t always true, they just tend to be handy in a large portion of circumstances. Their main utility comes from having them cached and easily recalled, so that you don’t have to waste a lot of time re-deriving them from scratch; this utility comes at the cost of not being applicable in every conceivable situation, but doesn’t mean they’re totally useless.