All of us must decide how much risk we are willing to subject our family and ourselves to in order to enjoy the hobby in the way we prefer.
In my town of almost 100,000 people there are about 100 modelers. In recent years there have been at least 10 Lipo fires in the area resulting in significant property damage. Seems to me the risk level is 1 in 10.
Too risky for me, I prefer a very low level. As my shop shares a roof with my home I've decided not to use them. It's surprising how many people still use them even AFTER burning down their garage!