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I'm not married and I haven't had to do this yet. However, if you want my advise.

I wouldn't try to prove her wrong or change her point of view. In whatever words work best for you. Tell her simply that you respect her opinions and you will continue to do anything possible to help calm the issue for her. However, you feel responsible for her and your own safety. Because you love her and you want to continue to be in this world and spend time with her, you feel you must be prepared to provide this safety.

She doesn't need to be convinced that everything is perfect. Just that some things need to be done to prepare and secure things in life. And because the world is the way it is today, and not perfect. You could/would only blame yourself if something happened and you didn't do what you could to be prepared.

-- Thats how I plan to go about it when the time comes. I know it doesn't use math to say hey look its not a big deal. But I think it gets my real point across.