Certainly you should never PLAN for failure, but it's a realistic side effect of progression. Sure, we have a LOT of tools to live, but some fights can just screw you over. Honestly that's not a valid excuse, though.
I do agree with xezar that most rogue gear looks TERRIBLE on pandas (specifically I've played male, and was so appalled by how bad the sets looked that I had to race change... can't really comment on females but rogue gear tends to look best on slimmer races). Trolls can look quite good.