Why can't you take off max thrust vs reduced...which seems less safe...
Simple, because it costs too much. We try to keep our engines on the wing for over 40.000 hours on the shorthaul fleet and we have succeeded a couple times allready. That alone saves several hundred million dollars over the lifetime of an airplane in maintenance costs. Besides, we are told (as a pilot i cannot prove or disprove that) that reduced power take offs save quite a lot of fuel, which becomes more important with higher fuel prices.
We are free however to give us safety margins if we deem it necesarry, for example we often calculate the performance figures for an intersection take off instead of full length simply because it gives us more flexibility in take off points to choose from. Or we can deselect certain things in the performance tool, some captains dont like to use improved climb so we dont use that in those cases. I can understand that, running into the red red lights before you rotate at 175kts is not really fun (boeing classic/NG).
However i would still be interested in real comparable figures about take off accidents between GA and airline business per 100.000 sectors and operating hours. Single cases as the ones you mentioned don't prove or disprove anything if you cannot set them in a statistical significant perspective of overall operating hours and sectors flown.