There is a risk to others every time you set foot in a car !
Really it's something you would need to assess if it ever happened.
If I had selected the only field available and getting closer realised that field was full of kids playing I would turn towards a less suitable landing site even if it added risk to myself.
You have to live with the consequences after!
If I determined the chances of hitting someone was as you said 1% (negligable) I would use my skills, landing spot, direction etc to avoid the person even if by doing so I shortened my landing distance available!
A fairly populated beach and I would put down 100 metres off shore!
We have a responsibility to those on the ground and if I knowingly killed a kid to save my own bacon that would be hard to chew!
It's a judgement you would have to take given what was in front of you on the day !
Pace