If you disconnect the negative terminal of the battery, you'll achieve the same thing. Most disconnects recommend that you use them on the negative terminal. I presume this has as much to do with the simplicity of the wiring on the negative terminal compared to the jumble on the positive...but there may be other reasons, too.
Here a handy-dandy switch:
https://smile.amazon.com/Post-Batter...erminal+switch
Look at all the options, because another may fit your needs better.
And NO, you are not paranoid. I've bumped my winch switch maneuvering my safety chains. Some wise-guy could make a real mess of things by fiddling with your winch motor....perhaps even damage the lift mechanism. At minimum, the winch would overload and blow your fuse...and you'd need to replace it.
__________________
Jim & Renee
2020 Jayco Jay Feather X-213
previously 2014 Forest River/Rockwood HW 277
2006 Ram 1500 4WD Crew with Firestone Airbags
Every weekend boondocking in the National Forests or at
Lake Vallecito.