For instance, if someone was super concerned, they could only charge lipos outside, inside something like an ammo can while also putting the battery inside a lipo bag. Then if anything goes wrong, no problem. Of course, the issue you run in to here in charging lipos in the winter if you live somewhere that's freezing. If you live in the southern part of the US, for example, no problem. You don't want to be charging lipos in 35F or lower weather.
If you're a little braver, you can charge lipos inside your house, just get a paver to set your ammo can on and still use a lipo bag also. Also, make sure that the ammo can isn't right next to something that can catch fire. This way, if you have a lipo fire, then the only thing you have to worry about is the smell in your house. Using the ammo can may even allow you to carry the lipo outside during the initial thermal runaway phase if you catch it early enough.
P.S. Just make sure you drill a small vent hold in the ammo can in the event you need to close and seal the lid to carry it outside while the lipo is venting. Bear in mind, you don't want that hole facing straight up or on one of the sides, in case you need to try and carry it. I typically put my vent hole in the front so that way if it vents it won't be venting toward the wall and again, if I have to carry it, it won't be venting toward me either.