“And I deliberately asked about being obligated, not permitted.”
So I should have used the term “obligated” then. Thanks for the correction.
Lilmod: “The only reason you are making the assumption that in that case, it would be mutar is because it’s to save your life, so you know that it must be permitted.
Yekke: “If you are not mekabel, you have no reason to believe yourself in any danger. (Probably doesn’t make a difference, not sure)”
You are never allowed to be mekabel L”H. You are obligated to be “choshesh” (in some cases) and protect yourself. This is despite the fact that you are not allowed to be mekabel! So your statement that if you are mekabel, you have no reason to believe yourself in any danger is not true!
(although I’m not 100% sure about the way you phrased it – maybe you can’t believe yourself in any danger, but you still have to protect yourself. I don’t know, but that’s irrelevant – the issue is whether or not you can take steps to protect yourself, and you certainly are allowed to (in certain cases) even though you are not allowed to be mekabel.)
Bottom line – you are never allowed to be mekabel l”h. It is possible that if your life is in danger, you can take steps to protect yourself but without being mekabel it. But you are not allowed to treat the subject of L”H any differently, according to halacha. All you are allowed to do is to take steps to protect yourself!
We don’t even know for sure that is true (if the l”h was given over in a non-halachic fashion). You are assuming it is, and you may be right. But that has nothing to do with your case.
In your case:
1. no one’s life was in danger.
2. You were mekabel the l”h (which you are never allowed to do)
3. You treated the subject differently which you are never allowed to do.