100% on this. I remember the Dallas tornado of 2019 quite vividly. We were in a slight contour, 5% tor risk, non-sign (albeit just barely outside the higher risk zones) and still had an EF3 plow through the northern suburbs just a few miles south of where I live. Its a reminder that, while this day could underperform (and that's a fairly reasonable bet given all that needs to go "right"), it could very well overperform as well!