Would you have 10.000 dollars next to you whilst driving at night in a car with broken head lights during a snowstorm in a criminal neighborhood? NO. In any modern country there are services available such as online banking, mobile banking, credit cards and even NFC payments. Physical hard cash is not necessary any more.
The same situation applies to PLEX in EVE Online. You do not buy PLEX in Jita and undock in a ship. You don’t fly through low-sec with PLEX in your cargo hold. It is completely unnecessary to have PLEX in your cargo hold. There are many possibilities to remotely activate PLEX or remotely donate PLEX to other players.
The following killmail is a proper loot pinata of ships and PLEX. Maybe the Bowhead would have been killed by high-sec gankers CODE. due to the value of the ships, but it was surely killed due to the 6 PLEX in the cargo hold.
When a ship with a lot of PLEX is destroyed, there is always someone calling RMT. This is not about RMT. There are many pilots that move 1 or 2 PLEX to whatever destination. If you have enough ISK to buy a PLEX and you want to use that on another character in EVE, you don’t have to move that PLEX to the location of the other character. It can be donated to another account. Even if you don’t own the account.
The PLEX can be moved back into the Redeem system. Then you can move yourself to another system and then reclaim back into the game.
You can activate your PLEX from your assets menu. [ALT+t] If you have 2 active toons, then buy in a trade system and contract to the other char and activate it from across the galaxy.
PLEX has many wonderful functions in EVE, but just as using a credit card will lower your chance of being robbed of your money in real life, not having PLEX in your cargo hold will lower your chance of being cargo scanned by high-sec gankers and promptly ganked on the next out-gate. Your movement in EVE should be a bit safer without PLEX in your cargo hold.