Definitely do what is best for you.
I can afford to cruise, but I have used my insurance several times. Sickness onboard a 48 day cruise, missed trains, canceled flights, and a big $12,000 refund for a covid cancellation, etc. I have collected far more than I have paid.
Could I have afforded all of that, absolutely, but was I happy to have gotten the check after the claim, absolutely. Those evacuations can cost over $100,000. I would not be very happy about that, considering you are probably very, very sick on top of that and if you pass, then your family is left with that big bill. You are probably right that won't happen to you, but it only takes that one time.