IMO, that's not really a rational fear if you burn dry wood and your install was done per manufacturer recommendations/code/best practice...even if you forget to latch the door, if everything was done right, there maybe damage to stove/chimney, but no house fire.
I’m a rational person and don’t live in fear one bit, but all it takes is one misplaced ember, hot coal out of the ash bucket, connecter failure, etc. We all have bad days. Homes are a tinder box and I’ve repaired or rebuilt several on insurance jobs that had everything wood burning related done right, but they burnt for one reason or another; often a simple mistake or equipment failure.
I use my Kozy Heat stove regularly to warm up the living room, but I’m home and very careful.
I really appreciate the ‘set it and forget it’ routine I have where I load the Heatmaster outside (in it’s own little shed) on the way out of the driveway. I sweep up my crumbs on the floor, shut the door, and go to work or whatever for the day.
You’re not wrong, but I think it’s fair to say there’s value in an outdoor, or outbuilding setup. People with tough weekday work schedules, like what I used to have, might like the flexibility of load and go, without so much worry if you were a little sloppy on the way out.