I would understand the concomitant urge to act like you're an Indestructible Demigod of Finding Out, but the wisdom of my years are telling me that you need to maybe have a heart to heart with the DM, and explain how the stakes don't feel real if you're always one bad roll away from a Deus Ex Machina. Tell them that they should feel free to let fate take its toll, that you accept the risk, and that you will do your level best to have any accidental deaths mean something and contribute to the story.