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sounds like you need some good life insurance & a minivan. Drums were safe enough for my grandfather & my father, so I'd say they are safe enough for me & my son.
anti-lock brakes have been the only major safety advancement since power brakes came on the scene(I don't think you'll be installing ABS). Discs are simply more efficient. As matter of fact, I would say that power (non ABS) disc brakes are more likely to lock in a panic stop. If you want your car to be safer, put more rubber on the road(wide tires help a lot) & do preventative maintenance on your brake system.
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