Those first two were by far the most common problems. Health problems are certainly an issue, but rarely seemed to be the terminating cause. For example my wife has voyaged over 90,000 miles with a pacemaker. I have had bypass, angioplasties and back surgery. We have many other friends who are committed and they worked the cruising around the dissability. However, being able to deal with health emergencies is essential. This means some training (EMT, CPR, advanced first aid), a good medical kit and the ability to communicate with trusted physicians for advice in case of medical emergencies. Lightning, it is something we "feared"--only because of the loss of instruments--so we kept extra GPS, hand held vHF and EPRIB in a sealed steel box, plus disconnected all electronics(power, negitive, grounds and antennas) This is harder to do in boats with "built in" instruments. We had several lightning strikes, but continued on with minimal damage. Fire: Good sensors, fire fighting equiptment and awareness. Certainly boats are lost for this reason. But we have felt that frequent inspections, using heat sensors helped to mitigate this. Bob Austin