RE: Taking the plunge
If you want a first hand version of a lithium battery exploding, ask Tom Fawcett to describe his "almost burned the house down" experience in detail. It should scare you into learning as much as you can about lithium batteries.
They WILL most definitely explode if you handle them improperly. Use only a charger that was designed to charge lithium batteries. DO NOT try to adapt other types of chrages. Take the time, and expend the effort needed to fully understand the limitations of lithiums, and the correct methods of charging and caring for them.
There is nothing wrong about using lithium batteries. But you do need to pay attention to what you are doing.