I bought my PC last year and did two cars. That was my complete experience in paint correction. Then I wanted to finish up some areas that I did a halfway job on last year, so I decided to get a rotary for potential time-savings. It literally took 1/2 to 2/3 of the time compared to a PC. For me, the purchase has already paid itself back.
Safety-wise, I kept the rotary moving while being very conscious of panel edges and trim. I didn't let the pad stay in any one spot longer than a second if I could help it. Smooth, consistent movements. Like anything else, potential accidents can be over-emphasized when experienced folks stress the importance of being careful, but the risk is always there. Can you screw up with a PC? Will you one day accidentally slip and knock the body of the PC against a panel and scrape the paint? Sure, it can happen if you're not paying attention.
Admittedly, my experience in this is overall next-to-nothing, but as long as you're careful, take rest breaks as needed, and not get distracted, you're fine. No one's perfect. You're at that stage where you're evaluating your confidence and trying to justify whether the "risk" is worth it, but you also need to balance your perspective with the potential benefits. If you're the clumsy type, I guess you know your answer. But in the general scheme, if you trust yourself with power tools, you're probably better off doing rotary. A lot of folks have one and aren't complaining. Just remember that nothing in life is guaranteed. If you make mistakes (do it long enough and it'll happen with a PC), you make mistakes. Learn from it and move on. Given most people's experiences, it's most likely that the benefits will outweigh the negatives. That's how I looked at it before I hit the Purchase button for my rotary.