Writing this just because I’ve never heard anyone talk about it before:

Worrying about things has increasing, diminishing, and negative returns, just like anything else.

The increasing returns are when a bit of worrying about something causes you to prepare for a situation or otherwise act differently in a way that benefits you.

But after a point, the worrying starts to saturate. You’re already aware of the potential problem, and more worrying e.g. doesn’t necessarily help you become more prepared or choose better actions.

Lastly, worrying even more can actively harm you. Maybe it causes undue stress or prompts you to make poor investments, relative to the likelihood of the event you’re worrying about.

So worry, but just enough.