Realistically, it's a lot harder to get a LiPo to combust than you'd think. A friend and I put a nail through one once. Nothing happened. I'm madly disappointed. I wanted an explosion!
I'm not a electrician, but as far as I know LiPos combust in two ways: damage to the pack followed by continued use, and pack overdraw followed by charging and continued use.
Pack overdraw happens when you use a pack that doesn't provide enough amps for your setup, so the motor keeps demanding those amps, which causes the pack to heat, puff, and other bad things. Then if you charge/continue to use this pack, you could have yourself a fire on hand. This happens a lot more frequently with smaller LiPos, due to lower discharge rates. High discharge is actually safer, which doesn't seem right, but is true.
I quit using a charging bag a long time ago. I don't do anything idiotic with my LiPos--there's no reason why they should catch on fire.