S&S,
A fully fueled plane was a not an improbable event. Any airliner taking off from Newark, JFK or La Guardia is only a short distance from Manhattan.
Actually, I think that it is fairly easily provable that it is a highly improbable event: the fact that it has so rarely happened.
The only times that I am aware of a fully fueled large commercial jet crashing on take-off has been engine failure taking out aileron or elevator control, such as (IIRC) the DC-10 taking off out of O'Hare, or the Concorde that blew a tire on runway debris, and started spewing fuel from damage.
It is very, very rare that someone is lost in the fog on takeoff. Large jets employ IFR, and if you don't meet the minimums at the airport, you don't take off. The other benefit is that, if you're at the airport, you know exactly where you are.
If you take off from JFK or Newark into fog (happens frequently) and your nav gear should crap out, the very first thing that you'll do is to climb & head east or southeast over the ocean. Altitude is your friend, until you can sort out the problem.
At the end of a flight, everything changes. It is rare, but certainly not unheard of, for an experienced professional (anyone driving a 707, 747 in 1970s, or 767 today) to get lost in the air, but it does happen. Sometimes with tragic results (KAL 007). But IFR navigation beacons have been in place for a long time to address that issue.
It is very easy, tho, for a large geographical area (e.g., the Northeastern seaboard) to get socked in quickly with fog. Everywhere from New Jersey to Boston, for example.
Then, if you're running low on fuel & you can't make it to a faraway airport in the clear, you're going to have to descend thru zero visibility. A pilot is supposed to know where he is and where he's going. But a malfunction in nav gear is possible. (It's rarely one thing, but rather 2 or 5 things coming together that leads to disaster.)
Hindsight is always 20-20 but considering the impact and not fire and the affect on the fire escapes was an oversight. Perhaps it was considered but like the Lifeboats on the Titanic they would have taken up too much revenue earning space.
It's been said here repeatedly (several times by me), the "analyses" that were done in the 70's "proving that the buildings would withstand a jet impact" (whether at 200 knots or 600 knots) weren't worth the paper they were printed on.
They had neither the computers nor the software to perform even the static analysis, never mind the thermodynamic one related to fires.
I posted some notes on the story
here.
An urban myth.
Tom