I'd much prefer to have to make an extra fuel stop than to have an engine failure at MTOW
We all have our favourite superstitions and I'm no different to anyone else in that regard ... however, the aim is to manage ("mitigate" as the buzz words book would have it) the risk.
There is no inherent everyday concern in launching at MTOW ... if both engines keep adding to local environmental noise pollution.
The probability of a critical failure is comfortingly low.
What is important is how you go about addressing, controlling and managing the risk of that engine (or whatever other) failure it is which is of concern.
This thread identifies a few useful techniques ... what IS important is not simply blasting off down the runway without some sort of rational plan in mind for what to do in the event of a problem's raising its ugly head.
If you can tolerate departing at less than MTOW and the cost of a tech stop .. then that is a fine technique ... the commercial reality is that it is a luxury for most of us folks.