Protection comes in layers, and most of the layers are invisible. A seatbelt you clipped without thinking. Antibodies dealing with something this morning that you will never hear about. Two friends who would notice within a day if you stopped answering.
Anyone who has been hurt knows these layers are not perfect, and that knowledge deserves respect rather than argument. The sense of being entirely exposed, though, is rarely accurate either. Between you and most of what could go wrong sits an enormous amount of engineering, biology and people, nearly all of it working right now without waiting to be thanked.