I regret that I disagree with you - using an analagy it's like you saying that your car is fitted with seatbelts so you are immune from being involved in an accident!
Equipment safety functions can - and do - go wrong. So whilst your PC (etc) might work just fine in a given temperature range the scope might change very markedly if say the internal fan fails. By way of example if the PC is operating within its safety limits with an ambient temperature of 35 degrees C and then an internal component goes out of spec then a temperature in the equipment could rise markedly and lead to a fire.
I simply don't think that having a single point of failure within equipment is a good idea, if you are continuously relying upon it to save your bacon.
Your home insurance company might well take a dim view of paying out if your equipment were to catch fire. Whether or not they can be challenged on their decision is another matter - but you can feel comfortable that they can afford a bigger team of lawyers than you can.
PoP
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