The short answer is: don’t worry about it.
The longer answer is: this is more about of your perception of risk than real risk.
You also have to distinguish “someone sues you” vs. “someone sues you successfully” vs. “someone sues you successfully and gets awarded big damages”.
I’ve been participating in forums like this (i.e. where owners of small software businesses hang out) and not once I’ve read a story of some small company selling $20/month software being sued by a customer, much less successfully.
The chance of being sued when you barely making a living wage from your company is slim because most actors are rational. Google and Microsoft have pending suits against them at all times because they have money. Lots of it. You don’t so there’s little point in me suing you if even if I win, I won’t get enough from you to cover the cost of suing you.
Note that nothing can protect you from being sued. I could file the most frivolous lawsuit and you still would have to hire a lawyer to respond to it.
The chances of someone winning “this software did something wrong” are none. Again there’s a lot of software out there and not once I’ve read a story of someone succeeding in that.
In a suit it’s their burden to demonstrate with “preponderance of the evidence” that your software did something bad and good luck with that.
Finally, damages are not arbitrary. In order to squeeze money from you they would have to show that the’ve suffered quantifiable losses as a direct result of your software. Again, good luck with that.
BTW: eula in practice makes not a lick of difference. You can’t indemnify against the bad stuff (“this software might erase your hard-drive and transfer all your money to my bank account; click here if you agree”) and there’s no need to indemnify against the common stuff because the law already has standard as to what is and isn’t bad.
At the same time there are plenty of people that will tell you to double down on all sorts of protections (like eula’s, LLCs, insurance) because “better safe than sorry” is comforting, even if statistically extremely unlikely.