OT cyber incidents are no longer just security events; they are balance-sheet events. As industrial organizations increase connectivity and modernize operations, they face a wider range of cyber-physical losses: business interruption, equipment damage, environmental liability, contractual penalties, and, in the worst cases, safety impacts. This session connects current OT threat patterns with their financial consequences and explains why many organizations still face a cyber-physical insurance gap between traditional cyber and property coverage. Using a practical risk-quantification lens, it describes the financial benefit of avoiding cyber risk (with techniques like CIE), it shows how to move from technical indicators to loss distributions, evaluate the financial benefit of mitigation, make better retain-versus-transfer decisions with insurers, and achieve the eventual state of being able to accept current OT cyber risk and answer "we've spent enough for now". This talk is about risk management, using financial loss to make better decisions about avoiding, mitigating, transferring, and accepting cybersecurity risk.