I think you're at just as much risk of a pec tear on incline as flat. I've heard of both happening to people I know. It doesn't have as much to do with the lift as it does your level of shoulder/pec mobility and wether you're pressing too heavy of a weight. If you lack shoulder mobility you can't be very stable, so your pecs and all the connective tissue try to do the job of both your prime movers and your soft stabilizers. Sometimes it can't react in time and that's when the year happens.
I think either lift is good as long as you're safe about it and progress slowly. You should talk to a trainer or physical therapist to check your shoulder, hip, and hamstring mobility and look at your bench form, whether it's dumbbell, barbell, flat, or incline.
