I'm prepared to live with that risk
Unfortunately insurance companies, your loved ones and society as a whole are very much not.
Especially since I already live with electrical sockets in kitchen
Which are safer.
Remember, the U.K. and a few other countries use a Ring Main system which most of mainland Europe doesn't. This is due to two reasons. One is the relative lack of copper ore in the U.K. and the other is due to far higher safety standards. On a Ring Main system, you really would not want to have a normal socket in your bathroom.
Nevertheless, you can have a "shaver socket" provided its fitted properly. I have one in each bathroom and you can use appliances with Polish plugs in them. I charge my phone from it using the Polish adaptor.
Standing order is basically the same thing from my points of view
The difference is that with a Standing Order, you control the amount that is transferred. I pay my U.K. bills mostly with them. Except for electricity which I pay by transfer,