It is absolutely worth it! The miscellaneous games are the best way to prepare for a curveball on test day, especially if you are already -1 or better. You are still training yourself to spot inferences and create good diagrams.

I don't think this is correct. The principle calls out companies and institutions as well, not just individuals. So even if the accident didn't damage anybody else, it still exposes the company to financial risk, satisfying the principle.