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I used to store all my files, documents under the ~ path.

I am wondering if I put my files out of my own directory, will there be any risk (like losing the files, or messing up my computer)

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Yes, very much so. You break the convention that the files belonging to a user are located in his or her home directory.

If you „retire“ a user, only files and folders in their home directory are saved.

Catalina, for example, plainly forbids creating folders in the root directory (/).

To make a long story short: There are reasons for the home directory. Do not fight those. I for my part enjoy the peace of mind this gives me. And the fact that I do not have to search all over the OS. Let alone Time Machine Backups.

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