That said fabric enclosure with something that goes up to 250 degrees Celsius isn't the best idea. There are fireproof 3D printing enclosures.
https://store.anycubic.com/collections/uv-resin/products/bio...
And while you are correct that some plant-based resins are not a class 3 lung poison anymore, they are still a class 2 eye irritant and can cause burns in your eyes purely through aerial exposure. Which means you need to wear goggles whenever you're in the same room.
Nozzle clogs can happen frequently, and if left unmonitored, can quickly turn into a disaster. If your nozzle is clogged it can essentially destroy your printer and cause an electrical fault that can set the printer on fire.
Printer fires are a lot less frequent in recent years than a decade ago, but it can still definitely happen.
What does cause fires is failed thermistors. These days most firmware will detect unreasonably high or unreasonably low temperature readings and turn off the heaters. You thermistor can still however fail with a reasonable reading if you're very unlucky.
Another factor is MOSFET failure. MOSFETs have a failure mode where they can fail closed. This can turn a heater on permanently. Modern firmwares will detect the temperature going unreasonably high, but most hardware is not set up such that the firmware can do much about it.