I imagine that a lot of people are in a similar situation where they're starting to feel the pain of losses. I have a feeling that it's only the start of something that's going to get much worse. At least you have that physical insurance in case something goes really wrong. That's more than most people have.
I agree, there's a few here at my office for sure. My super fund is not something I stress over to be honest as I won't need it for some years to come. I keep an eye on it a couple times a year though. I'm planning around not needing it to be honest, meaning that my other investments should work well enough to support my life. It's a good nest egg to have though.
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