This is important - this site, the information contained on it, and the calculators are all here for you to educate yourself. You ultimately are responsible for the safety of yourself, your family and your vehicle(s).
Simply using the calculators on this site doesn't mean that you'll be safe in every situation. You must take what you learn here and apply it to the real world. Ultimately, out in the big wide world, unexpected things happen. I can't tell you everything that can or will happen- you have to adapt and plan and be responsible for yourself.
Long story short, I make no gaurantees (written or implied) for the information contained on this site. You're on your own.