I can see your point... but... ;-)
How many situations can one foresee? You could apply the same logic to almost anything. What about medical supplies? We carried quite an extensive kit, but if Josephine got bitten by that snake, what do we do? What about spare parts? What if the gearbox dies? (it did actually, in South Africa). In both case: seek help locally is the answer.
What if your house collapses when you are sitting at your desk? ;-)
That does not mean one should be reckless. And I dare say we are actually pretty prudent. It might not tell from this report, but we avoid unnecessary risks if at all possible. But that risk assessment is a personal thing ofcourse.
Oh, and we do carry a hi-lift, we have used it extensively for our recoveries in Congo (sorry for not making that clear
). The hi-lift combined with the sand ladders and a bit of digging always did the trick. An additional bottle jack can do magic things too. We are also familiar with using a hi-lift as a pulling device. But that is such a horrible thing to do that we avoid it if at all possible.
Oh, and we did crash trough a bridge once. We got out of that one with our hi-lift, sand ladders and a lot of patience and creativity.
And then there is the danger of the human mind. We do not have a winch, so we drive with caution, making sure that werever we get ourselves stuck in, we can get out again.
If I'd have a winch, I know I'd be much quicker in just risking it, knowing that I can winch myself out if it doesn't work. And then the winch stops working...
The fewer of these tools you have, the more you are obliged to think about your next step. And that is not a bad thing! ;-)
That said, a winch is on my shopping list, but it is not a priority.