Pete I know exactly how you feel about being nervous and your family being against it., but as long as you take care you will be fine. You wouldn't walk around the ceter of birmingham at night with lots of cash on you, so why do it in Manila for instance. Not saying you would but just an example..
Anyway I will be going to Manila again on 25th August, thats how much of a good time I had when I went at the end of april..