Through the years, you begin to realize that although Christians struggle with sin, catastrophe, and disaster beyond their control, generally the Proverbs prove true. If you don't let wisdom and understanding out of your sight, then, if nothing else, your soul is protected from the eternal effects of sin. They aren't what save you. Jesus saves you. But Jesus is wisdom and understanding at its fullest. Never let Jesus out of your sight, and don't follow anything that will lead you away from his Word.
"They will be a garland to grace your neck." Following Jesus causes you to stand out. Even without trying, people will know you are a Christian. And being true Christians who follow the word and eat and drink it every day are what caused me to have my closest friends. I was drawn to them because they truly care about the Lord and honoring him. I can face anything knowing that not only Jesus, but they are on my side.
"Then you will walk in safety and your feet will not stumble." Yes. I don't live perfectly. I've made mistakes that have taken me years off course. But generally, I have avoided diseases and other disasters because I took God's Word seriously.
"When you lie down, you won't be afraid. When you lie down, your sleep will be sweet." I know for sure, that if I breathe my last breath, I will be in Jesus's presence, and it will be a joyous union. I can sleep peacefully knowing that. God has not guaranteed another day of life on this planet. But if I go home to be with him right now, it will be home, and not in the presence of his anger. Can you say that?
I also have no fear of the disaster that will overtake the wicked because the Lord keeps my feet from being snared. In all that, I need to do the first thing and not let Jesus out of my sight. I can walk on water as long as I keep looking at him and not get spooked by the waves around me.