It's not nearly as bad as it's being made to
I spend nearly all of my time in memphis inside the dreaded 240 loop and have never once feared for my safety or my life. I simply prefer it there versus the suburbs or rural outer towns. I could disparage those places as locations with very little appeal to me personally, but I'd like to offer you a different perspective as some one who is sitting in downtown memphis at this very moment.
There are parts of memphis proper that are awesome. South bluffs is a trendy area with lots of younger folks and some empty nesters living in recently built lofts, townhomes, and zero lot line city homes. The vibe is young and collegial you'll often see folks out jogging, walking their dogs, and riding bird electric scooters which are everywhere these days. There are some fine bars and restaurants with great outdoor gardens Carolina watershed is a personal favorite. Nearby on the weekends the riverfront is a flurry of activity with families out picnicking, folks jogging biking or running the hill. There's a great bike/ walking path that traverses a rail bridge turned pedestrian bridge across the Mississippi that leads to some great trails.
Further north on mud island there are tons of people on the riverfront. Having a great time enjoying the space and the view. Every weekend dozens of cycling groups stage and launch from this area and its always a friendly open environment.
Central gardens and evergreen have some fantastic neighborhoods with well built well maintained 100+ year old homes. The folks living in these neighborhoods are a tight knit community who care about each other and where they live. Evergreen in particular is a place I spend a good deal of time in. On the west side there is the Crosstown Complex which is a converted massive former Sears distribution center. It contains the nicest YMCA (just over a year old) a church, doctors and dentists office, radio station, art gallery, theater, brand new STEAM focused high school, a market, pharmacy, several great restaurants and shops, a brew pub, a cooking school, and a bunch of high end apartments. You'll find me there at the gym or at the coffee shop.
On the other end of evergreen is Overton park and the memphis zoo. Both are places that you will find full of families on the weekends especially in the warmer times of the year.
Overton square is another similar area with great shops eateries and cultural fare. If you're looking for the Applebees or a similar chain type restaurant this is not the place.
Cooper Young is also great fun.
Some people love the burbs others love the intimacy of small towns and some folks like diverse pedestrian friendly urban communities. It's all a personal choice, and I would encourage anyone to see it for yourselves and not let drive by commentary prevent you from exploring and enjoying some of the great stuff the city of Memphis has to offer.
If you have more specific questions feel free to PM me.