I bounced around in Open when I first started playing ED. Saw the odd CMDR, but thought little of it at the time. Now I play in PG, and have met CMDRs, especially at CG locations. But we've all had the same goal, and no one got blown up for no reason.
I am currently on an exploration journey, with a decent stash of carto data. My ship has survived 1000s of LY of travel, and an idiot pilot, but if I encountered a remotely PVP-orientated CMDR, I would be space dust in seconds. I have no desire to lose that data due to someone else's inadequacies, so will play it may way in the PG/Solo, as do other CMDRs who play in Open and get their thrills by blowing up unarmed ships.
I don't want insurance on my carto data, if I cause the ship to explode due to my own actions, I expect to lose data or bounties. But, I can avoid human CMDRs who want to blow me up for no reason, so I do. Even if there was some way for me to recover my data after losing my ship, it is no incentive to play in Open. I am aware that I can lose my data, but, I can control the chances or cause of that data being lost, so I do.