People are like the rain fly of a tent

Do you play it safe and leave the rain fly on overnight – just in case it rains?
Or do you leave the rain fly off, and will deal with the rain when the time comes?

Do you leave the rain fly on, so no wild animals can peak into your tent at night.
Or do you not care what peaks into your tent while your asleep?

…In other words, do you play it safe, or do you take a little risk?