It’s not the “what-if” that’s OCD, that’s normal. Even hypothesizing about worst case, traumatic, life-altering experiences is normal, healthy human behavior; you should always plan for the worst and hope for the best. It’s when it causes you anxiety/distress, and you can’t stop thinking about it, and it’s so persistent and invasive that you find it hard to function normally that it reaches the level of OCD.
Also, the OCD-level “what-if” often doesn’t make logical sense. Ex. people think OCD is “I need to wash my hands all the time”, but really it’s “if I don’t wash my hands, my loved ones could die in a car crash”.