Sounds like you're enjoying the game quite a bit 😄 I will note that all of the things you see can screw up a run are actually avoidable inside the event (they can be declined once you know about what choices do what during different events, it's not random).
Curses however can be cleared if you find an event that does so, but you're right that they can currently throw a big wrench into your plan unexpectedly if it's your first time learning about them or you take a risk and don't like the result.