All things considered, not _that_ irrational. For example the flight in Okinawa
> The pilots attempted to use the cockpit escape rope to climb to the ground, but the first officer was knocked off the rope when the number 2 engine and right wing fuel tanks exploded, triggering a large fireball that consumed much of the fuselage. The captain subsequently leapt from the window without using the rope.
Now, would I prefer to have the fuel above me or below me? Probably above. But in the wings away from the cabin does seem a bit safer.
I'd feel uncomfortable knowing 200k liters of jet fuel are stored above me, no matter how many layers of (self healing) bladders are protecting it.
Irrational, I know.