I really don't know how you got that from me being the one who's warning you things can go sideways. If you've only had good experiences in cities, if you've never been mugged, if you've never been scared, or seen someone else in such a situation, it's you who has the limited experience.

Not that I want you to have a bad experience. Not that all cities are so bad, or that you're guaranteed a bad time everywhere. There's plenty of good left. But it's easy for someone who doesn't have their wits about them and doesn't know where to avoid to end up in the wrong place and have things go sideways. Don't be that person.