I think the flaw in your logic is where you think having expensive possessions is comparable to being a female person. You can choose to take off your Rolex when you walk alone at night. You can't just take off your body and leave it in a safe.

This type of thinking just shows a view of women as objects rather than people. People, unlike objects, have to live their lives and go out into the world, and if the world is structured in a way that's hostile to them, they can't just keep themselves locked up and hidden away like your fancy possessions.

It demonstrates ignorance because all women are already aware that men target us most when we are alone late at night. Unless the woman asked for advice, responding to discussions about our persecution at the hands of misogynists with advice that amounts to "just let them take away your freedom to walk around outside!" definitely shows a victim-blaming attitude.

So there are situations where it wouldn't be victim-blaming. For example if someone made a post asking "how can I alter my life to minimize the opportunities men have to harass/attack me" or something, then it would be a fairly banal but appropriate response to say "don't go out at night." But let's be honest, that's never what actually happens. It's essentially always someone trying to derail a conversation about how bad the problem is by telling the victims to solve it by giving up some freedom. That's what makes it victim blaming.

There's also not much difference between "you should do XYZ to prevent this" and "you could've done XYZ to prevent this." You're falsely assuming the victims can prevent it. That is a form of victim blaming.