I did get my L3 before I started doing research motors, but I disagree with your assumption that making motors is any more dangerous than buying and storing commercial motors for later use, or actually flying rockets.I agree. The cost of HPR rocket motors is only a small part of high power rocketry.
Starting off with homemade motors is the wrong way to go.
(I must confess that making rocket motors was what had first attracted me to high power rocketry before I learned that the hobby was already well established and advanced, and that there are many satisfying ways of participating without building dangerous motors.)
Get your L1 to L3 high power rocketry certifications first before deciding whether you really want to go through all of the costly and dangerous steps of making your own rocket motors. You’ll probably discover that you won’t save any money.
Although making APCP research motors have different dangers and safety concerns, I believe those issues can be mitigated and controlled just as well as flying HPR rockets are with the safety codes.
I think the biggest issue people that haven't been mentored in making rocket motors have is that there is no organization that sets safety standards for the making of rocket propellant like NAR and TRA do for flying rockets. They have no clue what the safety concerns are or what rules or processes should be followed. That is why having a good mentor is so important. Your mentor is where you are going to get most of your specific safety information from. That and the MSDS for the materials used.
Then, after you have made propellant, you need to know how it works in the motor design you have, which is a whole different problem with completely different safety issues. That is where the rubber meets the road and the research rules from TRA come into effect if you are flight testing a motor or propellant design. Safety on a test stand isn't part of TRA research flight rules, so that's another place a mentor is invaluable.