Well, yes DC is unsafe because if you get electrocuted instead of being "pushed out" you get "attached" to the conductors, but if you have a p.v. inverter at home you already have a 400V DC line from the module to the inverter, how different can be having the same to the garage? The same to an exterior heat-pump unit (where the DC compressor it's typically located) witch is also insulated by the mere fact you drive it via a remote?

Aside I'm not much an expert as well but, from DC to AC we are pretty efficient, around 98% of energy get converted. But the other way round it's pretty inefficient, meaning a loss around 30%. So while your p.v. it's pretty efficient in generating AC, your car it's pretty inefficient generating DC from AC to recharge. You heat pump would gain as well.

To be clear I do not advocate DC for any DC home appliance like washing machines or dishwashers, just for energy intensive appliances like big heat pumps and car chargers. Not more.