sounds like you don't understand it either. put options let you sell short a fixed amount of stocks without the unlimited downside. other types of options with unlimited downside are heavily restricted by brokers (b/c of underlying regulation) and not available to the average user without going through trading approval processes where they make the risks very clear.
I understand options, and certainly using puts to cover the downside. I'm just paranoid about accidentally f*king that up and taking a bath to end all baths.