What danger does a tiny (paper?) plane maybe like 1 x 1 meters at most and flying at 350-400 feet?
This alone tells me you've done next to zero research.
if it crashes in the ocean, the worst that's there are maybe a few 18650 cells.
And this.
the solar panels should charge the batteries enough.
And
definitely this.
Dude. One of the many jobs I've had in the army involved flying/operating an MUAV called Desert Hawk. Each one cost roughly 11 grand, was about the size you're intending and built by Lockheed Martin (people who know what they're doing). It had a range of about 17 miles from its internal battery, couldn't be flown in the rain and at winds of much over 15mph. Now, from my own personal experience operating such equipment, a plane maybe 1x1 metres at most, flying around 250-400m (our usual altitude cos of the cameras and prop noise) can cause
huge issues to other aircraft.
Please, google things like tiny quad copters shutting down international airports, unmanned drone near misses to civilian and military air traffic (including one almost bringing down a C-17). Or videos of them landing and hitting passers by, because regardless of how accurate you think you'll be, it won't land there, and you won't be there to guarantee the LZ will be clear of people.
Do that, and then ask me how dangerous it can be. We used to have to book an area of sky (called a ROZ) in which only we could operate, because it was that dangerous for it to fly around other aircraft.
Also. You can't just drop lithium ion batteries into the ocean. They're really
really bad for the environment, hence why you're supposed to dispose of battery packs properly when you get rid of your phone / laptop / tesla.
Finally. Have you worked out the power draw vs power generation of your little project? I have a 150w solar panel on the roof of my van. It's pretty big. It doesn't (even on a good day) generate enough power to keep things like my laptop running indefinitely. Hence why I have a leisure battery set up, which provides roughly an hour or 2 of reserve power. Or I can turn the engine on.
I highly doubt any solar panel set up you can fit onto the upper surfaces of your UAV will provide enough power to charge the batteries whilst running the engine.
The current (and so far only) solar powered aircraft to cross the Atlantic took 71 hours. Your aircraft needs to run autonomously for at least that.
And remember, the Earth has this weird time period called night time, where solar panels don't work. You need enough reserve battery power to last you all night, cos it's not like you can land in the middle of the Atlantic and charge up from a wall socket. You also need more than that, incase the weather isn't exactly perfect the next day and the clouds are overhead (a surprisingly common occurrence in the N. Atlantic).
Have you worked out how much power you're going to need? Is it going to be sufficient to overcome the air speed currents oversea? Otherwise your UAV will go backwards. Into the water.
Until you can overcome these obstacles in a real way with actual solutions beyond 'what's the worst that can happen?', I'd say yes, you are being very, very optimistic.