I think those worries are legit. But, do it anyway.
Life is full of uncertainties. We do feel hurt.
People we love die. We don't say, yeah just incase you die I won't love you.
Don't project into the future. Take what you've got in the moment and go with it. Of course if my T died, I'd be crushed. But, that'd the price you pay for connection.
The pain of disconnect is worthless.
We're not children. We can stand the hurt.