If you hit the steering wheel, you have other problems.
I haven't seen a steering wheel ever not come off...Ive seen them come off when they aren't supposed to (hex style), but never the other way around.
If they are concerns, then you are uncomfortable, whether they are viable concerns or not. You need to be comfortable both physically and mentally in the car. I am more comfortable after flipping my Legends car end over end and being trapped inside hanging upside down back in '08 than I was before. Not physical comfort, mental comfort. I know my car will take care of me. They are both equally important.
With your concerns, I would recommend a shorter steering shaft and buying a couple different spacers to try out to see what gives you the best balance of physical and mental comfort.
If you want to go that way, I can get you anything you need