I am consistently using 100% of my weekly $200 max plan. I know how this thing works, I know how to get value out of it, and I wish what you said were true.
If you do all of these things? You are in a better spot. You are in a far better spot than if you hadn't! Setting up hooks to ensure notes get written? Massive win! Red-green TDD? Yes, please! But in terms of just ... well, being able to rely on the damn thing?
In a healthy environment. We are harmed more by being totally risk adverse. Than by accepting risk as part of life and work.