Recessed light fixtures the developer used here are not rated for the wattage of an IR heat bulb. There should be a label visible indicating maximum wattage. Definitely a fire hazard in two ways. The undersized wiring in the fixture cannot handle that high wattage load and will overheat, and the radiant heat from that bulb cannot be dissipated properly away from the wood framing.
But since newer homes have the shower vent fan co-located with the light fixture, that air flow may prevent (or delay) disaster for those who tried doing it.
For drpepper - please inspect that fixture, and the framing around it.
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