A frame challenge.
This is something I've been wondering about for ages. Life on exomoons seems to be a really unexplored subject in science, despite having quite a presence in fiction.
There actually are a number of scientific articles discussing the possibility of life on exomoons orbiting exoplanets.
Here is a link to a list of articles by astrophysicist Rene Heller.
Of these, numbers 35, 37, 50, 53, 54, 55, 58, and 59 have titles mentioning the theoretical habitability of exomoons.
Large exomoons are likely to be tidally locked to their planets, which will keep them from becoming tidally locked to their stars even if they orbit very close to dim low mass stars. So with one side eternally facing the planet and the other side eternally facing away from the planet, and the moon orbiting the planet several times during each orbit of the planet around the star, each side of the moon will alternately face the star and face away from the star.
And with almost all potentially habitable exomoons tidally locked to their planets, they won't have large tides due to the changing direction to the planet. Any tidal bulges in hypothetical bodies of liquid will remain permanently located over certain locations instead of moving around the moons.
No matter how strong the tidal forces on a tidally locked moon are, the tidal bulges will not move around the moon and a specific location will not experience rising and falling tides. Your fear of giant tides is unrealistic.
However, since all orbits of moons must be at least slightly elliptical, the moons will move at least slightly closer and father from their planets. That will cause tidal heating of exomoons. Some degree of tidal heating can help a moon which is otherwise too told to be warm enough for life.
Too much tidal heating can cause excessive volcanism on a moon, making it a volcanic hell like Io, the innermost Galilean moon of Jupiter. Io is intact, and so must be far beyond the Roche limit for Jupiter. In fact Jupiter's innermost moon, Metis, which is beyond Jupiter's Roch limit, orbits only 0.303times as far from Jupiter as Io does.
And a lesser amount of tidal heating can cause a runaway greenhouse effect on a moon, like that suffered from other causes by the planet Venus, which is clearly outside the Sun's Roche limit.
Any hypothetical exomoon large enough to have sufficient ex scape velocity to retain a dense atmosphere for geological eras of time is likely to to have a high density due to being made of relatively dense matter and to its internal matter being compressed by the weight of matter above it.
Titan, the largest moon of Saturn, has a density of 1.8798 grams per cubic centimeter. The two largest moons of Jupiter, Ganymede and Calisto, have densities of 1.942 and 1.8344 grams per cubic centimeter.
The giant planets in our solar system have densities ranging from Saturn, 0.687 grams per cubic centimeter, to Neptune, 1.638 grams per cubic centimeter.
And the four rocky terrestrial planets in our solar system, which are much more likely to retain dense atmospheres for geological eras of time, have densities ranging from 3.9 grams per cubic centimeter for Mars to 5.514 grams per cubic centimeter for Earth.
Thus any moon of a giant planet large and massive enough to be habitable is likely to be denser than the giant planet which it orbits.
And the calculation for the Roche limit of a particular planet and particular moon includes in part on the ratio of their densities. And since potentially habitable exomoons of giant planets would normally be much denser than their planets, I suspect that the Roche limits would be quite close to the the planet in the cases of large and potentially habitable exomoons.
So I suspect that in most cases of giant planets and their moons which are large enough to potentially be habitable, the Roche limits for the large and relatively dense moons are likely to be much closer to the planet than the "habitable edge", the minimum distance from the planet where the moon would have excessive tidal heating and experience a runaway greenhouse effect.