Have to disagree when you say the risk is low.
Blockchain technology it self is in experimental phase. Bitcoin exists for some years now and it is still finding its path.
IOTA guys arrived and decided to do a completely new thing, so they can be "better". So this is even more experimental. Risk is very high.

Have you seen their official desktop wallet? Until today I still cannot see my tokens there (although the explorer shows me they are indeed there). Hope I will be able to transfer them out.
And of course, the whole seed generator crisis... Yes, the users were naive by using an online generator, but come on... How come they don't have a seed generator integrated?
Also, you saw how they reacted to this issue? They pointed the finger to the users. Zero support. Community treated as garbage. Shameless.

These guys sound like those geniuses that are very intelligent and have incredible ideas, but at the end they fail because they cannot interact with the society.
Without the community, a project is zero and they don't care about the community. You can feel this in any interview they gave.