I'd say neither are praiseworthy. People think saying that people like safety and less challenge is an insult but its true, alot of people on the forums openly admit it. Why should it be an insult though? If that's how a player has fun, go for it.
I don't think people are saying some people don't like safety or don't want a challenge. The issue i think is when it appears you are trying to paint all players within certain modes with the same brush.
I mainly play PG or Solo and I do enjoy a challenge. Today i was flying my Beluga in a Combat Zone. Had to bug out when got double teamed by a pair of Anacondas. Was good fun.