Good to think about these things. Reminds me of my ex brother in law and his business partner when one had a Ferarri 308 and the other one a 930 turbo and they started club racing. They soon realized that in order to continue with that "sport" they needed to purchase the proper equipment. Having lots of expendable income and living in NC, they would buy Terry Labonte's previous year NASCAR (without running gear) and build their own running gear. They started racing in the Walter Middie <sp?> series and they knew they were in the safest cars on the road courses.
I think everyone needs to play to their own level of risk. I don't have a cage and don't want to scar up my rig so I stay away for the big stuff. I could stop flip or flop on any trail but the changes and risk are mitigated. I feel comfortable that the factory cage will get me through one of those. Maybe, maybe not.
If you want to play with the big boys, get big boy equipment. If I decide to do that, I'll either mod my current JKR or buy/build something that I won't have to worry about it.