I know a fellow who is interesting sometimes and frustrating, because
to him all risks seem same size: very, very large. I've thought of
advising him to stay indoors on sunny days, else he may get a terrible
fright from his shadow.

But the point is, if you're alive, you're at risk. As observed up
this thread, Luna's craters are an accumulation over a few millions of
years and the infall rate there seems not terribly dangerous now. And
knowing the risk means you can do something about it.

Concerning those risks, where is the most safe place on Luna?
Sub-Earth? (Earth directly overhead, remember Luna is orbitally
locked.) The leading side near the equator? The trailing side? More
near the poles? Etc etc, and don't forget, a fragment from a meteor
strike could orbit for several years and zip past at 5.5 feet just in
time to take you out if you're standing there.

I think base siting in a Lunar lava tube is an interesting idea,
however, seems to me anybody settling there is going to be doing a lot
of engineering and science on the surface.

Cheers -- Martha Adams