Minimum fuel still has a safety margin build in, so no safety risk. It is up to the captain to take more. LVP's, bad weather, Olympic delays...etc. are good reasons. I take more fuel when needed, but quite often take flight plan fuel if I don't foresee any major delays. If you have landing assured at your destination you could use all your alternate fuel for holding, gives you quite often an extra 20-25 mins.
If flight plan fuel would be 'unsafe' the authorities wouldn't allow it.