So to me it is clear that 1) it is more dangerous in the settlements,
Of course, and thank you for being objective about that.
and 2) it is still good that Jews are willing to live there.
Why does that need to follow? Why can’t the Medina be a good thing (or, I think more to the point, there be a mitzvah to live in Eretz Yisroel) but stay away from the more dangerous areas?