2. I think getting involved in disagreements or arguments that have nothing to do with me only makes things worse for everyone.
Sounds like you don't want to catch any flack or fallout. Sure, you do have a point. If you stay out of things you usually don't get in trouble or cause unforeseen problems. Here are some thoughts about why it's worth it to step in...
You can learn a lot from an unseen outcome. If you try to help and it doesn't go quite the way you expected then you pick yourself up and remember the parts that DID go right and try to FIGURE OUT why the other parts bombed and get yourself more prepared for the next go round. We'd have no star athletes or platinum albums without practice, and practice includes a lot of mistakes.
Protecting yourself can be a trap. If you protect yourself too well from possible trouble or ridicule you'll find it hard to develop really close friendships. You have to be willing to be a little vulnerable, to get hurt a little in order to show others that you care and to risk them seeing who you really are. It IS worth it. The exception of course is that YOU NEVER EVER risk your personal safety. Always get help if a situation is out of control or too tough for you.