This is what is dangerous, imo.
I know that if I don't put some kind of guard in place I'm going
This part I don't think so. I think the blade guards promote taking the "higher brain out of the loop".
Anyway, I don't use guards, my saw didn't come with one, and if it did, I'd remove it. Knowing my saw can cut off my hand in an instant if I'm not careful keeps my brain in gear. If I was so worried about it and thought I couldn't get by w/o a guard, I'd buy a saw stop, still wouldn't fuss with a guard. The only caveat I have is age. As you get older, eyes are worse, reactions are worse, and brain goes out of the loop much easier than it did in the past. So far, knowing this has made me more careful than ever, but saw stop is looking more interesting as I the years add up...