As a pensioner, you'll put your back out dancing around semantics like that.
Having the knowledge that you'll die in your bed if your house catches fire when you're sleeping is not a reason not to fit and maintain smoke alarms. It's basic maintenance of a safety critical system.
A binding caliper can happen at any time, and without symptoms. There's a thread here on that very subject from a couple of weeks ago. I'll take the additional buffer zone that fluid changes provide. Your need to be right doesn't equate to furthering the point of the discussion. For the record, brake fade and failure happens every single day on the UK's roads. I'm not going to endorse the possibility of becoming a statistic.