Like a lot of previous posters, I also recommend that you invest a goodly amount of money in yourself. If you are well-trained and well-practised at all times then that is the most important step that you can take to keep yourself and your loved ones alive.
Never stop learning (I am still learning after 46 years). Get your IMC rating and your night rating. If you can possibly afford it, get a proper Instrument Rating after that. They are all great investments.
Don't be too afraid of the risks of night flying. Undoubtedly there has to be a slightly increased risk but I have never seen any statistics stating that it is much more risky than flying by day.
How many times have you heard the statement, when discussing going down to the Channel Islands for the weekend, "the engine doesn't know it's over the water". The same applies to night flying. The engine doesn't know that it's got dark!
I don't remember being told how dangerous it was to fly single-engined aeroplanes at night when I was in the RAF (but we were well-trained). I now have 5,500 hours of flying at night in my log books and I still enjoy a bit of night flying in my PA-28 when the weather permits.