Digital HD TVs still use overscan. It's a legacy thing. They crop 10% of your picture off. So do many digital billboard formats. Internet and computer formats don't.
So as a rule, if there's any chance it may be shown on a TV set, old or new, now or in the future, then obey action safe.
Title safe is a guideline, where you should place titles to be nicely composed inside the frame. Action safe will be actually missing from your image on all TVs that are not capable of and not set to underscan.
Unless I know for a fact that my projects (Videohive or otherwise) are only going to be used on a computer monitor or internet, I always follow the safe zones.
If you're clever with your comp sizes and collapse transformations inside an AE project, you can offer the customer both with no quality loss....(just a 10% blow up on the internet versions). But that would probably just confuse 'em.