The refuel time is dependent on the pressure in the tank. There's an intermediate tank that's used to pressurize the hydrogen before it can be pumped into the car, and pressurizing this vessel can take a lot longer when the main tank is empty. I'd say that the refueling time is only as good as petrol in the best case scenario.

it seems so incredibly complicated compared to EV's I can't really imagine a future where hydrogen will be a big part of vehicles

All cars are complicated. Hydrogen cars have an advantage of being truly sustainable, something BEVs are not. So it safe to say that it is inevitable that cars will transition to hydrogen. Personal opinions like these are just a repeat of classic anti-progress statements like "airplanes will never happen" or "radio will never amount to anything."

Not to mention the huge amount of energy it takes to compress or liquify a gas. Everyone ignores this when talking about hydrogen as fuel.

What's the chance of a hydrogen fuel cell exploding?

The fuel cell itself isn’t the problem. It’s the storage tanks and that are the problem. A colourless, odourless, explosive gas is inherently dangerous and takes a lot of work to handle and store safely.

Negligible. It is safer than gasoline.