With batteries (and even small battery packs) there are two main safety issues: (1) chemical combustion (due to mechanical damage or stress or electrical stress i.e. over-charging) (2) Burns and fires caused by arcing.

For (2) the exact configuration basically does not matter, because generally speaking all battery packs capable of storing a large amount of energy are also able to release a large amount of energy in short time. So if you cause a short you'll always get a nice arc. Note that most kinds of protections are way too slow to suppress arcing, so you can always burn yourself. Arc-fault detection is more difficult in DC systems as well.

(1) is mostly a matter of doing things right. This means active temperature monitoring and measures (cooling, venting, shut-off) for larger packs. Independent over-voltage and over-current monitoring. And of course the little things, like wiring things up the right way and placing sense wires at the proper locations. For example, this is a simple thing of doing things wrong:

    +  Charger  -
    |           |
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |-   Cell  -|
    |           |
    +   Sense   -

Designing these kinds of circuits correctly requires a lot more experience and detail knowledge than one may think at first. (Besides miniaturization this is another reason why one-chip battery management chips are so popular in the industry).

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I did a few things with a few types of batteries (lithium ion and lead) and these little cells can cause an impressive amount of uh "disturbance" in short order. I admit I am almost as careful (in a different way, obviously) with them as when handling high-voltage things like the HV oscillator in an old 'scope.