unless it's an emergency, or your other half
Do Not Disturb is very handy, but you might worry that it's preventing an urgent message from getting through. But you can set up exceptions for peace of mind.
Switch Repeated Calls to ON and you'll be alerted to a second call from the same person within three minutes. You may get the odd trivial call breaking through, but most midnight callers get the hint if their victim doesn't pick up first time. Someone with urgent news would be far more likely to try again.
You can also specify exceptions for certain people. Tap 'Allow Calls From' to allow this to be overridden by calls from Favourites.
(You can add people to the Favourites list in the Contacts app. Select a contact, scroll down to the bottom of their listing and tap Add to Favourites. But removing a contact, or changing the order in which Favourites appear in 3D Touch sub-menus and the like, can only be performed from the Phone app - selet the Favourites tab along the bottom and tap Edit at the top of the next screen.)