Is Koh Tao safe, or does its reputation get in the way of the real risks?

The things that reliably injure visitors on Thai islands are roads and water rather than crime, and Koh Tao concentrates both: steep hills with rental scooters, and diving with all the usual insurance exclusions attached. That risk ranking is sourced: https://meetlocale.com/guides/is-thailand-safe-to-travel-alone The island also carries older stories that get repeated without much context, which is exactly why it seems better to ask than to pronounce. What is your honest read from having been there?