In general use there is no more risk from using a lithium pack than a NiMH pack. RC models are definitely not general use, those types of packs are often used well beyond recommended discharge limits and generally don't have thermal protection systems because the discharge currents are so high they're always running the pack near it's failure point anyways. You might be wrong about your cell phone's protection circuit, there's often a thin strip that runs up the side of the battery to bring the electrodes out to a common point that are made of thermally sensitive material, if the battery ever over heats this strip goes high resistance and prevents overcharging. Not all batteries have this but I've seen it on several lithium packs I've gotten out of devices. It doesn't look much different than a thin metal strip and can be easily overlooked.
I've seen several Youtube clips of people intentionally flaming up lithium packs, you have to put really high currents relative to their normal operating currents and possible overcharge current to get them to go up. The articles you see in the papers about this or that laptop or cell phone having gone up in smoke on someone is from an improperly engineered cell or cheap Chinese battery nockoffs or devices that have zero protection ability. I've heard of a couple accounts of fully charged lithium packs catching on fire if crushed or punctured with high energy as the sudden kinetic impact can cause a run away thermal condition in the battery, but under normal circumstances this can't happen.