I just did something stupid 1200ly out from Lagoon Nebula and accidently flew into a into a white dwarf, yes I know, I know, big twirly things, can't miss them, that's why it was so stupid, still I had docked at Amundsen Base so really only lost 1200ly of data and some self respect. I would regret it if exploring was made completely safe, that would be the wrong way to go, it should always be possible that a careless CMDR can get himself killed! Having said that, emergency data drops would be nice, so you could hotfoot it back to your data pod and collect it!
Oh yes in case someone else collects it stolen data would attract money but negative rep!
Oh yes, and no naming right at all, just money! The systems would show as unvisited still.