I've been riding on public roads since 1979.
Although I have a couple friends who've been seriously injured by rear ending at lights, not once has it happened to me; I'll chalk that up to good fortune. I have, a couple times, been threatened by squealing tires as someone slid up behind me. Very bad feeling. One friend says he always kept his bike in gear, so we'll assume it didn't do him any good.
Most significantly here, is that *NONE* of those times would I have had any time to think about where I'd go if I dumped the clutch. I may have jumped out into a far worse situation, and for no reason at all since none of these events ended in contact.
I pop neutral and roll to the stop at low speed.