bitcoin is looking forward to upgrade for effective handling of transaction. So we should wait for that. As the difficulties come to bitcoin, some bug or fault might found sometimes then bitcoin always take a positive action toward these bugs and fault. So keep calm it will reduce the time of waiting for confirmations as well tx fees then you can happily use bitcoin fast transactions.
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Yes, there is always some risk, but I think the risks are greatly over stated. Segwit is Segwit, they just changed how it activates and increasing block size has been done in countless alts, so this is not something radical. That would also not happen till November, if it happens. Segwit has been the sticking point and that looks like it is going through. 2-2.6x more capacity, so a lot more users can use BTC at once.