You aren’t over thinking it. For the reason(s) you stated, I would recommend against getting a dog right now until the underlying concerns are addressed.

Hopefully you will never have to experience a traumatic situation involving a larger dog, but if you do and you aren’t prepared, then you are at much higher risk of putting yourself or your companion animal in harm’s way or even making the situation worse than it would have been.

I’m a small dog owner. More than once I’ve had to kick or punch an out of control dog to keep my small dog safe. Running to safety is not always an option, and you cannot outrun a crazed monster singularly focused on murder when you’ve got to grab your dog first and/or carry it while running.

Honestly, a lot of pet owners are just plain terrible. The fact that you’re at least putting thought into this puts you orders of magnitude higher than sooooo many other potential pet owners. Unfortunately, those shitty owners seem to be everywhere.