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Those are all real risks that you have voiced and you have to take them into consideration when taking your car to the track. The question is, can you afford it if something goes wrong? That could be from an accident or even a mechanical failure. Even if you can afford it, is that worth the risk for you?
Keep in mind your insurance is pretty much useless if it happens on the track, as well as your warranty coverage. Some tracks offer 1 day insurance coverage at a price and that may be worth looking into.
Most of the time, it is probably better to get a cheap track day car like a miata or an s2000 and you will have just as much fun.
If it were me, I would probably take the risk. I already have done so in a few other 30k+ cars. You can only do your part to drive well within your limits, if someone else is a knob, just remember you have no control over anything that happens out there except what you do.
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