Great topic! I feel covered for all reasonably foreseeable events for my lifestyle, including the emergency invite to black-tie events where my law firm bought a table, which happens about once a year. Not so much if we were, say, invited on a ski trip, but since I haven't been on one for eighteen years, probably unlikely, and I can't see any events like that coming up without plenty of advance notice. Happy to hear that many of us are in a good place, at least for the events that are most likely to take us by surprise.