An idol is pretty much essential, imo, if you want to be a successful hermit and the advantages far outweigh the slim chance of being raided - slim if you have b/walls ofc, if it's just behind a pali you are inviting trouble. There's not just trading, but xrd's, I love xrd's, lol, I have loads of them, xrd's within each section, xrd's on all sides of the village and xrd's to rescources - travelling to Em's trade hub is not such an issue with xrd's, agility ofc, but you can raise that quite quickly.
I have both an underground idol and an above one, both are behind their own seperate b/walls, within a b/walled village, to get to my above ground idol you are going to need to get through three b/walls first, lol, it's always just a matter of security when it comes to raiders. Obviously no-where is infallible if the raiders are determined enough but very few are going to make all that effort unless they think you have something worth having or it's a revenge issue.
An underground idol at least has the bonus of not being visible on the map, which is why I started with that one and built the second after i'd secured above ground.
It's a lot of work, I admit, for a hermit to undertake but worth it in the long run.
