Another good article is this one by Martin Hellman:
https://ee.stanford.edu/~hellman/soa...2007_talk.html
In particular, I thought this quote was interesting for self assessment.
"Many years ago, I heard an expert on industrial safety give a talk in which he noted that for every fatality, there were roughly ten injury accidents; for every injury accident, there were roughly ten property damage accidents; and for every property damage accidents, there were about ten "scares" or near accidents"