I think it was well said. I agree.
The chances of it happening are very rare. But again when you're dealing with an animal, they are unpredictable. At times you don't know what that one thing is. When I look back at that situation, there are times when you're training your dog and you don't know until it happens. Sometimes there's that one thing. It's very much like a human. You don't realize sometimes that there's that one thing that you're really fearful of until it happens, so I agree.
Is it necessary? For sure. It's a good clause to have in there. Do I see it being used very often? That's unlikely, but I think it's appropriate.