I wouldn't be afraid of the night flight, but as others have stated, you have to be more aware and plan accordingly.
During the day, you should be asking yourself, "If my engine goes out, where am I landing?". At night, this is even more important. Flying a route along airports is good, but not always practical. Extra fuel is a must.
But.... if your engine goes out, this is what I've been taught.
Option 1: NRST on the GPS, try to glide to the nearest airport.
No airport / too far.
Option 2: Pick the nearest MAJOR highway. (You'll be able to pick roads out without any problem at night) Expressway is best, 2 lane is worst. When driving along sometime, check to see how many wires are strung across a normal 2 lane road. How many poles, trees, etc. Line up with traffic, turn your landing light on, then the last 25', force the plane down to the road. Minimize your time between 10' and 25' to avoid power lines, signs, bridges, etc.
No close roads (Northern WI), No airport AND Winter
Option 3: Field if you can see it with moonlight, frozen lake, etc. If you know the ice is good, a frozen lake would be option 2. But thin ice, getting wet, is a death sentence in winter. As someone else said, "When you get down near the ground, turn on your landing light......if you don't like what you see..... turn it off". A controlled full stall landing into trees / rough field / can be survivable.
No roads OR Summer, Dark Night, Densely Populated
Option 3: Time for damage mitigation. Go for the water landing or turn away from the city. It's not going to be pretty, but you hopefully won't kill anyone on the ground. The last night flight I did coming in over the bay to Green Bay for my complex rating, the instructor asked "Engine out, where would you land?" I couldn't see fields, best glide was into the city (short of the runway) or into the bay. The water was option 1.
That's my $0.02 at least.