they'll probably do fine in the crunch since their own motivation to succeed has likely played a role in their lack of setbacks.
No doubt and I didn't mean to say that I'd disregard these guys. Only that sometimes things happen that are out of your control. Like the gear collapse I had on a C-310 back in the early days. A mechanical failure that was not fault of mine, however I see applications that specifically disallow ANY accidents or incidents. REALLY? That is just plain ignorant.