Eye and hearing protection matter most when the job creates chips, dust, sudden impact, or repeated loud tool noise, which happens in more normal home tasks than many people expect.
Indoor ladder safety depends on setup, body position, and task realism more than on courage, because many simple household accidents start with a small lean or unstable placement.
Some repairs look small but carry disproportionate risk because they involve structural load, hidden utilities, code issues, or failure consequences that exceed casual DIY.