If only say, 10% of your flying is at night then statistically the chances of an engine failure at night are one tenth the chances of you having one at any time. You don't need to be a gambler to work that one out.
Most of my night flying is done deliberately for the sheer spectacle of it and the (usually) silky smooth air. There's also the lack of chatter on the radio. It all combines to produce a relaxed and enjoyable experience.
Anyone who considers the risks???? to be too high should simply stay on the ground and let those who wish to enjoy the experience do so, without any scaremongering. And I CAN see cloud at night.