Using multi address is safer and more privacy because the people cant track too much about your transaction with multiple address, but using multiple address can confuse other people and yourself because your address keep changing and you will have hard time to memorize it
I agree with you totally it can save you from hackers , from those who want to steal your bitcoin though any trick. It will also keep you from risk because it will reduce the risk. So this is why multi address and more protected than single address. There are many examples of address which can make many confusion to people. So, we should go for multi addresses.