Aye - flying unshielded is a bad idea. Would you go bareback with the guy/gal you met in Zen's on a Saturday night?
Didn't think so.
Exactly. And quite frankly Elite Dangerous is not Elite 1985 where you're total fuel allocation was 7.0 Ly. (of course in Elite 1985 every system had a base..so you couldn't get stranded).
For me, scooping is a luxury. It's nice not to have to pay for fuel, but since I am not on the outer fringes yet, I don't go through the heartache. A basic fuel scoop takes a tremendous amount of time to fill up your tank and on a 20T tank like on my Cobra, I would take for ever. But again, I'm never that far from a civilized station and never let my fuel get below half.
If I were mining asteroids on the fringe, or with our intrepid explorers out on the edge of space discovering new jumps, then that would be a different sotry all together.