I had assumed that was just on/off, but maybe not.Actually, looking at the specs again, it says there is a thermostat and a controller in the cord? If that's the case, you could dial it back.
Could shut it off....doubt it would catch fire.I'd worry it could trigger the thermostat to shut itself off once the towel got hot. Or said towel may catch fire. To me, the risk isn't worth it.
For sure....somewhere safe and closely monitored.It would take careful testing but wrapping the heater in something could get you the perfect temp. Towel, vinyl, etc.