If you really want to avoid risk, don't get out of your bed in the morning and don't drive to the airport
. All of our activities go hand in hand with a certain amount of risk.
I have done a lot of VFR on top flights simply because it avoids poking around at 1500ft through controlzones and restricted areas often in marginal VFR. Flying high increases TAS, increases the radiohorizon and generally gives a smoother ride which is also nice for unexpierenced passengers. Good visibility on top increases situational awareness. However these flights must be planned very carefully in order to make sure that the cloudceiling is high enough to allow for a forced landing. For this reason I don't fly single engine at night or over mountains. VFR by day through the mountains is much more fun anyway.