Things don't actually work the way that you think they do. If they have to serve you in person and they miss you, then you weren't served and cannot lose by default unless they lie and say that you were served. The vast majority of professional servers will NOT do that. They won't risk their livelihood by doing that kind of thing.
One of the best things about having a good business liability policy is that the insurance company will provide you an attorney to not only fight the lawsuit, but to fight claims of false service. I don't know of any company I have ever worked with, that was registered in it's own local area, that has gone the step of setting up an independent, registered agent.