You could also look into A123 cells. They are used in portable drills. You wouldn't hesitate charging one of those would you?
Consumer equipment battery packs with LiPo (or LiFePO4 cells) in them come with protection circuitry built in, to prevent the sort of abuse that leads to them bursting into flame later.
Model aviation battery packs are generally just a bunch of cells in series, with only whatever thermal cutouts, overvoltage cutouts, undervoltage cutouts, etc., that might come built in to the cells themselves.
Which really means two things: one, if you don't think about what you do with your LiPos, then you're safer with that A123 drill pack; two, if you
do take reasonable care of your packs, you're safe.