As we all know aviation is about risk, personal risk. When I got my class 4 many moons ago I was brave (probably more foolish) & used to fly whatever I could hire around remote area's as well as cities (coastal) at night. Advance fwd near 40 years would I do it again in a SE? NOWAY! I won't even fly SE IMC or over water despite numerous trips to the islands off Vic back when I was foolish & I have my own aircraft these days so I know it very well, I wanna die a grumpy old man not shark bait or in a special care hospital with a broken back!
Each to their own.