You need to pick your battles and choose what you want to protect against to mitigate risk and enable day-to-day operations.
For example, too often people will set up clustered databases and whatnot because "they need HA" without much thought about all the other potential effects of using a cluster, such as much more complicated recovery scenarios.
In the vast majority of cases, an active-passive replicated database with manual failover is likely to have fewer pitfalls and gives you the same operational HA a clustered database would, even though in the case of a (rare) real failure it would not automatically recover like a cluster might.
