Can you guarantee that nothing bad will happen to these 5 for as long as you live? Obviously we live from day to day in an uncertain world. If 5 future PTL's is good, what would 10, 20, or 100+ be?
We should never set our sights on the minimum. "Aim High" is not about climbing mole hills, it's about climbing mountains!
Set your goals high, then if you don't reach them you are still better than most!