Yes, you minimize risk by being prudent and using reasonable and cost effective safety measures.

In a car, that’s things like seatbelts, airbags, and other safety features.

The equivalent for powering your house with a generator is the aforementioned transfer switch.

What you’re doing is saying that driving a car without seatbelts or airbags is perfectly safe, you just need to not get in an accident.

Stop powering your house with a generator plugged in via the dumbest possible cable and just install a fucking transfer switch. They’re not expensive and it keeps you from needlessly endangering people, or even just having a preposterously dangerous cord laying around.