If I got involved in that type of scene and I didn't have all my PPE on my chief would rightfully have my head on a pike(ouch). Yes, even as a firefighter I am concerned with scene safety. Hmmm smoking car, leaking fluids; rule of thumb applies no PPE, I do not approach the scene any closer than what I can cover it with my thumb at the end of my outstretched arm. I will call it in and wait for the AHJ. I don't always have my bunker gear with me but more often than not it is.