It's safer for my wallet, if someone rear-ends me while I am backing in well that's on them. In the other case, if I am backing out of a parking space and someone is flying down the road, and I back out into them, that's on me. It will be my fault. Backing in keeps me less liable for potential crashes.
I always signal before backing in and if someone is right up behind me I just move on until I can safely back into a different spot. If I can pull through then awesome best case scenario, but I hate backing out in the Z it is just blind.
As for your other point I definitely used to have other cars with rear visibility and I didn't always back into spaces then.
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