Doesn’t matter. Simply defending against the claim costs significant money, and you can’t recover those costs.

Best to avoid the claim altogether.

Filing such a claim costs money too, and any decent lawyer will tell the claimant that he has no case.

Still dubious. I don't think miniscule risk justifies shitty behavior and making life worse for everyone.

I feel you, but there is a big difference between (a) "justification" in the overall cost versus benefit to all parties involved and (b) the narrowly self-interested thing to do.