I have found the system of a 'read-only' account very straightforward. I use it for all day to day business, I can see most things with no problems and cannot break anything! I found in the past that it far too easy to make changes to the order of firewall rules by accidentally drag and dropping rules when moving the mouse cursor using my laptop trackpad. So a read account is perfect for investigation and just looking.
When I am ready to make a change, it only takes a few seconds to log back in with a full account to make those changes.
I have only ever used safe mode for performing changes where I think it might possibly go wrong and it will take too long to drive (or with two customers) to fly to the radio site to repair the damage I caused.
For me, there is a list of many other things that can be improved with Winbox before spending time developing a change to this one!