It's interesting how opinions differ. It seems those flying in relatively flat areas where there is a reasonable chance of putting it down safely are more reluctant to fly at night or/and over water, whereas those who regulary fly over high terrain in day are less concerned about flying at night or over open water. It seems the rights and wrongs are very subjective.
When discussing night flying with the AME during my initial medical he, with tongue in cheek, questioned if anyone intending to fly singles at night should pass the medical as being of sound mind.