With all due respect, I believe you are merely stating a personal opinion, even if it is a *good and prudent* one. I personally have the opinion that one can take precautions to minimize your risk, although I would not by any means recommend it.
I was lucky enough to catch mine in the process of overheating, (had to hold by the sides and it was still almost burning me) and quickly put in in the refrigerator. (1 day before the recall, so I didn't know anything yet.)
It was charging AND doing an android update at the same time. I have a refrigerator. I put it in there. It cooled down. All was well. I have been careful since, and no problems. I have installed a battery temp alarm app. I don't leave it unattended - ever. I don't let it discharge more than 20% to minimize re-charging time. I have turned off fast charging. I will not do updates unless I have a full battery and put my exploding kitten in the refrigerator. I have removed the case (they hold heat).
Sammy's own website
Galaxy Note7 Safety Recall and Exchange Program says heat IS the precursor to the failure. "Since the affected devices
can overheat and pose a safety risk..."
I, too, choose to wait until next week for a replacement. Changing my workflow, buying another phone, etc., is not something I'm choosing to do.
Approx 100 incidents out of 1 million phones in the US is what? 0.01%? that's not 1%, that's 1/100th of 1 percent! I probably have a greater risk of dropping my phone, cracking the display, cutting my finger on the cracked display, and dying of a blood infection than I do from being harmed by this phone.
...wish I could get those kind of odds in Vegas...