Even Holmes, who seldom got physical, had a personal stake in his investigations -- he'd get depressed when he had no mysteries to entertain him, and he had his own view of what sort of social order was fair and just.
I agree with the above. I don't think Personal "Danger" is the right word, so I don't think its necessary. (Unless it's a thriller, then I would expect it.)
Maybe Personal "Conflict" is a better word. I think Holmes is a good example. Even though Holmes and Watson were best buds, talk about conflict! Holmes dabbling in addictive drugs, lying to police so he stays a step ahead of them, what would be considered breaking and entering because he thinks it serves the greater good, unsociable behavior, arrogance -- in other words -- the total opposite of Watson. And their on the
same team!
I would say as long as the MC isn't sailing through the story as easy as pie, you're OK. If it were easy for him, there would be no point in reading the book would there? We would get the idea pretty quick that no matter what -- he was going to win, blah, blah blah, close book, put on shelf.
He does need obstacles or personal conflict which doesn't always have to mean getting shot at or a bar fight. I want to be uncertain what will happen next. Will he make a choice that goes against his grain or do what he's always done? How does his choice affect what he does next? Was it the right choice or wrong? Will he realize it in time?
So for me, sometimes a bar fight or the MC all of a sudden in a warehouse shooting at the bad guy ruins the flow and seems random if it doesn't fit the context of the way the plot is going or what the MC would make a conscious choice to get involved in. Even if he's minding his own business and is shot
AT, I mean really, how many people would know what to do? If it's not in the MC's make up to act like James Bond or be trained like him, it doesn't work for me.