That's all very well, but you obviously assessed your risk level in line with your level of public interaction, and made the commercial decision to avoid taking out a policy and to wear the risk, as it was low.
But a lot of people do not have that luxury, as they interact with the public on a large scale, and their risk level increases accordingly. To run a public event without a PL policy is financial suicide.
When I was a leading partner in a substantial earthmoving and mining contracting business for 30 years, it was imperative that the business have a PL policy, due to the constant interaction with clients, their employees and the general public (we did road construction too, and interacted with traffic).
However, in 30 years, we only had one PL claim, and it was for a relatively small damages claim, one of our machines accidentally started a fire in a farming area via sparks being generated by dozer tracks running over flat granite rocks. The fire was rapidly contained with minimal damage.
If you crash and start a fire, you could be up for a sizeable bill - and if you damage infrastructure, you will receive a major bill for repairs to the infrastructure you damaged.
Not a lot of car drivers understand, that if you run off the road in moment of carelessness, and hit a power or light pole, you get the bill for the replacement of said pole - and that is a very large bill in todays world, it's not unusual for a single pole replacement cost to run between $10,000 to $40,000.