Nothing wrong with staying in your lane, or your comfort zone.
Anecdotally, I only know of one house fire that was caused by an electrical issue, that being a screw driven though a wire while installing some lights (no permit). Every other electrical fire I've heard of was an appliance, plug, extension cord etc, all things that had nothing to do with the initial wiring. I'm sure it happens, but I think if you follow code you can sleep well. I've done 2 whole homes, a couple garages, all permitted and inspected, with PS Knight as my Bible, and I've never had an issue.
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