Follow up: Only 6 months of beekeeping, and I think you guys were right.
Our local club recommends maintaining "insurance" nucs. As a novice, having spare queens/eggs on hand has alleviated a lot of anxiety and was easy to accomplish. I decided to trust the bees and had a few scares - mostly beginner paranoia - nothing serious. I could've even done additional splits (we only did 1) if I had had the resources. Also, having access to several experienced beekeepers helps. If nothing else, they can tell you when NOT to stress about something!