I'm a network engineer and >15 years of experience in IT. It's never "safe". Not even in corporate IT. You're a home user and it's less likely you'll be targeted but bad actors do comb the internet for known vulnerabilities. Patch your shit, limit exposure, enable MFA on everything. I don't run it, but I feel slightly sketched out not behind something like a Palo Alto. But again I'm just a small potato in a big sea and I patch everything.
There will always be risk. Just do what feels right for you. Follow beat practices.