Having specific mental road maps that identify a path between you and each of your goals are essential tools for preventing long term derailments.
Unpredictable events WILL occur along the way. These road maps are often developed incrementally as we follow our gut and take risks.
I argue that it is worse to regret not taking a risk than taking a risk and failing. Failure is a necessary part of success.
The real grit that's needed to overcome adversity is discovered when we struggle. Struggle causes us to dig deep into our soul to stay on our feet and propels us forward til we reach the prize.