I would suggest that not doing outcalls to your place solely because of fear of being ripped off is not a response appropriate to the risk. Of course, it's entirely up to you which decisions you make for yourself and I wouldn't attempt to influence them. I'm just saying let's be objective about the subject matter.
In terms of keeping our hobby secret obviously being single and not being friends with the neighbours beyond the passing acquaintanceship inevitably involved, domestic privacy is not an issue for me in that sense.
Privacy may not be an issue for you, but it is for some. That's the point. Just because others are in a different situation to you doesn't make it paranoia
While the risks may be low, many of us think 'what's the point of potentially putting ourselves in that position?'
As I said, fear of being ripped off isn't the only concern about outcalls.
My home is home, my hobby is done elsewhere and I like going to different places.
If I were paranoid about being ripped off/beaten up, I wouldn't punt at all, incall or outcall. It's about minimising a variety of risks, which also includes going on reviews/feedback here, avoiding dodgy-looking AW profiles and, in terms of health, avoiding known barebackers