I understand where you're coming from, however.......
I've been in a hydrocarbon vapor explosion that caused catastrophic damage, killed a guy, horrifically injured two others, and caused a company to go under.
And due to my youth, I'm pretty sure 8 of my 9 lives have been lost.
So I'm not about to go out b/c some Tina, Ashley, Maria, Shaniqua, or Bonnie doesn't want to be slightly inconvenienced at the gas station.
The risk is not worth the convenance.
The issue is less to do with when the gas is contained and more to do if / when you lose containment..... which does happen. There's a lot of stupid out there.
Your car's electrical system is an ignition source. Your cell phone / electronics are an ignition source.
Static discharge is an ignition source.
Gasoline combustion engines operate on igniting the gas fumes within the piston.... so there's a flame in close proximity to flammable vapor when running.
The heat generated by combustion causes portions of your car to be at temperature that are above the autoignition temperature of gasoline vapor.
The holes in the swish cheese will eventually line up if you temp fate enough. Trust me.