A while back, I was a sales rep for Safety Kleen, a company devoted to parts washers and other automotive and restaurant-related products, and I used to demonstrate our product alongside other flammable cleaning products. Some liquid products go up in flames quite easily (white or Coleman gas) and others are actually quite difficult to light and it takes a sustained flame for some amount of time to actually gain a flame and even then, the burn rate is not explosive or expansive, but controlled, sort of like a candle.
Spontaneous combustion of oily rags, on the other hand, can and do light. That is not a myth. I've seen it happen. A contractor left a wad of oily rags in a dorm room that was not climate controlled. We estimate temps were above 100 in the room. Fire damaged the woodwork and dorm furniture. The reason they do is the distribution of volatile fumes that come from the soaked rags. A spark, or even enough heat will cause those flammable fumes to light. A bag of charcoal is enclosed so that the fumes associated with the product are contained.
I can see the scenario of bag of matchlight going up in flames, but that would seem to require some additional source of sustained heat like an exhaust pipe under the floor, a water heater, a pilot light, electrical panel, clearance marker light in a storage cabinet, etc. Store in as cool and dry a spot as can be had and don't really worry. I'd be more afraid of a can of hair spray. That is a poor-man's instant flame thrower!