Well, then be prepared to replace the motor every once in awhile. Brushed motors in anything but crawlers just dont last very long.
One thing you might check is are the bearings all lubed? Go through your rig and make sure everything is moving freely. Any excess binding is going to put a load on your motor and cause excess heat.
You said everything is stock. Does that include tires? A lot of people new to the hobby will change tires and not realize they are changing their drive ratio by putting tires of a different diameter on. Just an fyi in case.
As far as your LiPo concerns, a lot of people are scared to go to LiPo's in the beginning. But all it takes is to learn the proper way to charge and store your LiPo's, and you have nothing to worry about. A LiPo will give you warning signs long before it decides to go up in flames. They will start swelling. And even when they are swollen like a balloon they aren't likely to just spontaneously flame up. It is usually while charging or using a damaged LiPo where you will see flameouts. Common sense and a bit of education is all you need to be safe using them.