What? 120VAC might be enough to penetrate skin, but it being half the voltage of the UK's supply, the resultant current flow would be rather less. You'd be really unlucky to end up dead. Telephone engineers work live on phone lines in the UK that carry a ringing voltage of over 100VAC with no precautions. It stings, it's not dangerous. You've not explained how someone would actually be exposed to such a hypothetical risk anyway - I believe even US mains leads tend to come with their conductors insulated.
!2v adaptors damaging your car? How so? Your fag lighter socket is fused and it floats straight across the battery. If you think plugging in an adaptor lead can generate electrical nastiness, just think what horrors could result from something like a, ooh I don't know, solenoid and high powered starting motor could do.
Fluctuating output doesn't matter, because the voltage is floated across the laptop's battery. If it gets too high it'll blow the fuse in the laptop's charging circuit.
I've been using a £5 eBay lead to run my Acer Aspire One in the car for the last three years. It was made in China, it is fused, it's well built. I have an inverter too, but I've never used it to power my laptop - it's crazy inefficient to convert 12VDC to 240VAC just to go back to 18VDC.