YWIW, I do not think your approach is a bad one. My Dad used to always say, "Hope for the best, plan for the worst." I had a couple of cancer scares in the last few years, and after I worried myself sick and felt really, really sad about not being around to see my children grow up, I started thinking about what cute style wig I would get in the event I lost my hair to chemo.
It turned out that I did not have cancer, thank the goddesses, but I went through
my process of problem-solving: feel the shock, feel the pain, visualize the worst-case scenario, consider ALL the possibilities, accept that life happens, then wait...all the while
hoping for the best.
You are allowing yourself to
feel and you are being practical about the future. A good balance.
"Be on your guard! Jerks on the loose!"
http://www.roches.com/television/ss83kod.html
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"If any relationship involves a flow chart, get out of it...FAST!"
~ Best12Bars