Is there a person on this planet where an unexpected hospital visit could not happen?

I think a wipe is not necessarily that much of an issue.

Some people lose or get their phone broken and start from a blank one on a regular basis.

In my case the only things that matter to me are synchronised through syncthing and radicale (a carddav/caldav server).

Wrong question. It's not about the chance of having a wipe. But if the having the wipe is worth happening on some false positives.