It seems empirically born out that continuing your life and alternating things slowly is the winning strategy, compared to changing everything on a dime because some thing is scaring you at the moment. Is seems that there's always the thing that is obviously going to kill us, that in retrospect, hasn't and just got replaced with the next anxiety.

There is an element of survivorship bias here. The only people around are those who have survived past crisis. So you'll never meet people who didn't plan for a crisis and perished as a result of their lack of planning.