It's not entirely safe, but I think gets me 90% of the way to a reasonably safe workspace. If there is malware in a VM, I can nuke it and reset affected credentials in my main OS (which is not infected). It's not too much extra overhead, I just SSH into the VM and work as usual. I've used Qubes before and have also tried a fully Docker-based workflow (developing exclusively in containers), but there can be too many headaches with either.