Freak wind (dust devil) rolled a friend's Tahoe right over in Colorado. He saw it coming, slowed down, but it caught the camper he was towing and pulled into the oncoming lane, and the truck followed.
After it rolled three times, and came to a stop on the driver's side, the luggage, which he had carefully stowed and strapped down, stayed out of the passenger compartment. Minor cuts and bruises for him, his wife, and three daughters.
Even the dog was OK.
Because he had taken steps to ensure that the luggage would not be a missile hazard.
It was his only accident in 20 years. Totaled the truck, totaled the camper. Camper parts, luggage and stuff was all over the highway. Every window on the Tahoe was shattered. Every body panel dented and crushed.
The trooper who came upon the scene first was surprised to find everyone was OK, given the tire marks, debris, and obvious rollover evidence.
His consideration of accident potential (luggage stowage and security) saved their lives.
That's the thing about accidents - you don't get a heads up that they will happen. His was a freak, freak wind, over 80MPH, and it took the camper and weather-vaned his truck right over.
If you don't get in a crash, plopping an engine in the back of a van is fine.
But if you DO get in a crash, then it could easily kill you.
And no one knows when their next crash is coming.