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I would say fire, flood and no tap water for three days.
Those are the most probable things that people are not ready for and should be. If you leave in a city near a river, chances are high that the general population (you included) underestimate vastly the risk of flooding. I learnt it this year with the heavy rains in my area.
This dude compare quite a lot of email providers in term of privacy. I do not necessarily agree with all its critics but it is a useful resource:
https://digdeeper.neocities.org/articles/email
I would recommend to buy your own domain in case you need to change again. That way, you’re not trapped by your email provider and you can change in case you’re not satisfied anymore