There is a fine line between risk management and fear of flying. If you let these fears take you over you will miss many great flying experiences. If you do not asses risk management you are a fool. If you are flying a well maintained airplane single or twin, low level, night and mountain flights are all in the norm of flight operations. Yes, things will always happen but that is what you train for and pray for. Thanks to God, I have experienced single engine low level engine failure (landed on freeway), cruise altitude single engine failure twice (partial power, made the closest airport each time) and one engine failure twice in a twin over the Sierra Nevada's. Once on takeoff - once at cruise. Piper Apache - Lol you are a glider on one engine! In all cases, airspeed is the answer. Maintain best glide speed until suitable place to land on or off field. God does play a part in it. There are some places you will fly over that an engine loss just might not have a suitable place to land without damage or injury. Bottom line, maintain your engine well, don't let thoughts of failure stop you.