Z axis limit for down stroke

I’m not comfortable with Z homing. If I had left thick material on my bed, the rotary, any object I may have been working on, etc it would crash the head (and on my machine destroy the gantry).

Z is just such a constant / job / material specific coordinate. X and Y make sense in that they define an ever changing position consistent in every job that absolutely relies on the synchronization / homing of the machine origin.

Z is a critical job specific / material specific height relative to the ToM (Top of Material) that I find best set for the specific job queued for the machine.

I should also add that I do utilize auto focus.