... a little late to this party.
This isn't really something I'd worry about. Simply stated, the range and effectiveness of shoulder-launched missiles would be such that blasting an aircraft short final or just after takeoff is what I see happening. We discussed this extensively in the helicopter community in the last decade, largely due to the number of shoot-downs occurring in central Iraq.
Odds are, no matter what you do, you'll never see it coming, and when it happens, based on aircraft configuration, missile detonation, and shrapnel impact, you might lose some control authority, but most likely you'll experience catastrophic engine failure. A shootdown for an Army Blackhawk near Fallujah produced a debris field that allowed impact analysis- the missile hit the #2 engine so hard that the engine was forcibly separated from the fuselage. Considering that the engine compartment is partially blended with the fuselage, that gives an idea of missile velocity.
Long story short, there's nothing to worry about, because there's likely nothing you can do to prevent it. Just remember your memory items if it happens. Keep Calm, and Carry On. Cheers.