Figuring out roof support: choosing between rafters and trusses

Repairs might be trickier if something does happen, but so far, fingers crossed...it's been sturdy enough for us.

That’s kind of what’s been nagging at me—like, trusses seem solid, but I keep picturing some freak hailstorm or a tree branch coming down and then suddenly it’s a whole complicated fix. My dad keeps saying “they’re engineered for this stuff,” but I’m still not totally convinced. Maybe I just worry too much? Our neighbor’s old rafter roof creaks like crazy in the wind, though, so maybe there’s no perfect answer.