How safe is crossing the street? Or going to sleep at night?
I actually chose those examples deliberately - because of what they represent - the first being an action that you conciously choose to do, knowing the risks involved, and - by looking both ways before crossing, attempting to minimize the risk, before accepting it.
A firmware upgrade is like that - you know there is a risk involved, you can assess that risk by looking at the firmware change lists, possibly reduce the risk by making a backup, but sonner or later you'll need to deal with the upgrade.
The second example is distinctly different - most of us don't give a moment's thought to the risks involved in going to sleep at night, and in that same way, you are apparently ignoring the risk of not regularly backing up your data - RAID is not a form of backup, and whilst I'm about it, you really do need to know what RAID level you chose, one reduces the risk of data loss and the other doubles it.
Just as it's not unheard of for someone to die in their sleep (ever heard of SID - Sudden Infant Death - syndrome), you could have a disk fail or the DNS-323 itself, and then you'd have to go through all that work with the album art that you're trying to avoid, because you have no current backup.
So in the words of Clint Eastwood's Dirty Harry "do ya feel lucky?"
Firmware upgrades are quite safe, when done properly, but like crossing the street, accidents can happen.