Earlier quoted context omitted.
> If they were reasonable people and considerate of others they wouldn't be doing that in the first place. Respectfully, you're probably giving yourself too much credit here (and your neighbors not enough). It's almost certainly the case that you (and me and everybody else reading this) has done something that annoyed a neighbor. You either just didn't realize it or you were tired or stressed and slipped up. But the…
Again, it's not a question of what the most likely reaction is, but how grave the worst reaction would be. You hold at least one insurance policy? If so, you understand the rationale in at least one domain.
[0] Many of these activities, like, say, driving a car, are probably orders of magnitude more dangerous than, ahem, talking to your neighbor.