It's good that you know the problem and understand the risks. I ignored all of this, and in 1994, our house burned down completely on Saint Nicholas Day(...night).
You could say that we weren't careful, and we were punished! Or maybe it saved us, because it happened at night and we weren't home.
It was also caused by the old electrical system and an electric heater left plugged in...
Like you, I also need to change the electrical system in my current house, but it's hard to get started.
Until we change something... keep an eye on the outlets!