A VPS/client setup does not put your coins at risk, as they are never on the masternode
Of course, coins are safe...if you follow the guide. I'm pretty sure that someone not tecnically prepared will keep wallet on the masternode server...
So seeing that someone don't even know what file to download, alerts me.
Perhaps it would be interesting to make a simplified guide to MN, I mean like an ELI5, starting from zero and not assuming that people have some knowledge. It could be bring more people to the game.