About the unexpected (and how to get over it)

Since a tender age, I've had a flair for the unexpected. Not believing in metaphysics has helped, but not quite. I've been wondering, "what if...this thing happens at that time". The thing is, it never does.
Waiting for something concrete to happen unexpectedly is absurd, anyways. So, what do you do?
First, if you truly believe in the unexpected, don't make plans (that doesn't apply generally) . Even if they become true, they'll always be less spectacular that the ones you've dreamt of. Second, if you truly don't believe in the unexpected, don't wait for it to change your life. There's no third. Just a song.