What do you mean? Settlers aren’t civilians they are actively participating in an armed occupation. This applies to tourists of colonial states too. Colonial states hide behind their noncombatant population to justify their atrocities.
Edit: This is in no way advocating for large scale murder of settlers just a dismissal of their right to be free from conflict.
Yes moving or visiting stolen land is putting yourself in harms way because occupied peoples have a right to violently resist occupation. Obviously, a non violent solution would be preferable but the lives lost during armed resistance are largely due to the existence of the occupation.
The pattern is typically settlers move in, settlers get into a conflict with the native population, and the settler state uses this conflict as justification for further expansion. Settlers are completely complicit in this.