I'm not sure that a Cirrus is necessarily a panacea. It might drop you into an electrical sub-station with spectaular results.
And is also not available to most PPL anyway.
When I did my night rating, I asked my instructor what I should o if the enine topped. 'Aim for the dark bits', said he.
That a PPL night rating exists at all suggests that the CAA finds the risk acceptable. And so do I.
With the benefit of a landing light, it is probable, though not guaranteed, that I could land reasonably safely.
I'm not sure about some of this thread-if we are blanket-bothered about what MIGHT happen, having planned as best as we are able, we maybe shouldn't have taken up flying in the first place.