IlBob - you might add a secondary thing to fear to your excellent and simple list:
A nice weather forecast that's wrong.
Trusting a weather forecast is sometimes necessary but don't bet your life on it if you can help it.
I do not go hiking if I expect bad weather, but I have been rained on a few times anyway when it was unexpected.
I just won't go out in the woods without some kind of protection from the rain, even when it is warm out.
Having said that, I was once much younger and stupider.
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Warning - I am not an expert on anything having to do with this forum, but that won't stop me from saying what I think.

Bob