Yekke – I don’t think what you are saying is true at all. He is not allowed to be mekabel it, but he is OBLIGATED to protect himself despite his not being mekabel.
One proof of this is that the only reason why l”h is permitted in this case is so that he can remove himself from the danger.
Another proof is the fact that Gedalyah ben Achikam is criticized for not taking precautions to save himself.