There isn't a whole lot of risk now. 

between nearly everyone working in tandem, set home, the only risks to. losing items has been lava and the server deciding to despawn items randomly when you die. the risk is still there that you lose your place. 

for me, I usually set home every so often anyway, so my only risk comes from losing it in a cave which if offset by me rarely ever diving alone, or lag kills. 

It may be different for other people, but probably not by much. eMost are generally together and such. 

In other words, my.risk is usually minimized already except for instances out.of my control.