I think the ETS Homepage somes it up best.
"Chance favors only the prepared and equipped"

Which leaves the next question:
What is chance and how do we prepare and equip for it?

The fact that you are reading these forums, and visiting the ETS homepage suggests that SOME of these questions are being asked and answered for you/us/me.

We all read these treads, and have our thoughts provoked. Subconsiously we evaluate what suits us, and what can we do better. (and say I wish I had the money for that)

So am I prepared for everything ..... A: No
Am I prepared for something ...........A: Yes

Its a start and I"m happy with what I've done so far. But within myself I like to improve.
I have researched my area and found some of the threats. I have researched my workplace and ocupation and found some of the threats.
I have looked into other industries, ocupations, hobbies, here etc for ideas how they deal with threats/situations.

Gone are my younger days when I was indistructable and knew it all. Chance let me survive those, but as I learn from seeing others who didn't (Or almost didnt)
I've made the decision to take charge of surviving the rest.
What I've discovered is its not just preparing, its a lifestyle.

What I or others say you should do, will only be effective if it suits your situation, abilities and commitment, or the right variety of chance comes around.

So look, listen, read and evalate what you think suits you best.
But when the chance hits the fan, its your decisions made now which might save you.