It's evaluating a set of contingencies. Like, the general staffs of armies make war plans that they will never execute, unless the particular parameters fall in place, all the time. To do otherwise would be irresponsible.
I think what is missing is what set of circumstances would trigger you to execute your plans. If it’s “world wide epidemic which causes extreme pain and suffering with less than 5% chance of survival” that is one thing. However if you are planning your suicide in case you lose your job or your significant other cheats on you then that would be concerning and reason to seek help.
There's no need to imagine such an epidemic. We're all going to die. And sometimes that involves extended periods of pain and suffering, with no chance of survival. In civilized places, voluntary euthanasia is available. Elsewhere, one needs to plan ahead.
It's evaluating a set of contingencies. Like, the general staffs of armies make war plans that they will never execute, unless the particular parameters fall in place, all the time. To do otherwise would be irresponsible.