Personally, I don't think that it's how careful you that you are protected, you are protected by the grace of God, because I have seen someone that did not go anywhere at all, but the death he is afraid of our there, came and visited him at home. So in my own opinion, it's only the mercy of God that we are safe.
Look at how insecurity has taken over most part of the country, do o you think that those dieing in most northern part of the country are not careful enough?
It only by the mercies of God that we are safe, because except the lord watches over a city,, the watcher man watches in vain.