I always wonder how we managed to survive without lockable window handles, bicycle helmets, and seat belts on the back seats.
Luck, chance, fate, the will of God, etc., etc... This is an abstract discussion. Many want and advise a very long fixed interest rate period just to know what we will have to pay in installments in 20 years. No risk at all! No matter what it costs! On the other hand, a few lockable window handles are superfluous because you yourself survived as a child.
Caution: I have deliberately formulated this in an exaggerated way. The individual "quotes" do not come from one person and are not assigned.
I repeat myself, but I could not reconcile with myself if one of my children had an accident and I had saved a few €. I also bought the child seat new, as well as the bicycle helmets and my son's motorcycle helmet.
USUALLY nothing bad happens. Unless it does. Then I would blame myself.