I’m not sure of a good way to balance out and correct for my bias other than just trying to think critically for when I need and don’t need a lawyer.
One type of error is paying a lawyer when you didn't need one, in which case, you're out $X.
The other type of error is not paying a lawyer when you did need one, in which case, you're out $Y.
In my experience, the values here are frequently $Y >>> $X.
In the end, the choice is yours; you rolls your dice and takes your chances.
I’m not sure of a good way to balance out and correct for my bias other than just trying to think critically for when I need and don’t need a lawyer.