And there are thousands and thousands that have lost their fingers. Have you ever cut yourself ,EVER, with a knife? A lapse of judgement can be quite costly and NO ONE is incapable of having an accident regardless of how safely you think you operate a TS. It certainly is not necesssary but if you can afford it, it's well worth consideration.
I would rather the saw falsely trip 30 times and correctly on the 31st time than not trip at all.
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Well in your own words, A woodworker exercising reasonable caution has nothing to fear from the tablesaw. With proper caution a kick back is not going to harm you either. That said, the saw does indeed have a riving knife that goes a long way in preventing kickback.
I wish you luck and to remain safe with your wood working.