No your not paranoid or hyper-vigilant.
Because most emergencies or survival situations are low probability events most people mentally block them out of their mind.
The error is while a low probability event it's not a ZERO probability event. Where the rubber meets the road, if it happens and you have no plan,equipment or more important abilities then Charles Darwin has the answer to the question.
There are a lot of people who don't make it, those who do somehow manage to survive emerge with an interest in preparation,planning, skills and equipment.
For a few with vision (and fewer than most admit) we get on board BEFORE a life changing event.
The difference between discomfort and mortal danger is the ability to look ahead and see what MIGHT happen, not only what is likely to happen.