If you have a release switch just do it. The switch is cheap enough that if you get banned and really really really want to play am online game, then you can just buy a used one without a dock or joycons.

I have a fusee exploited switch that I installed atmosphere on like 4-5 years ago. Pirate tons of games and haven’t been banned.

All you need to do properly follow the steps, and don’t play pirated games on sysnand/online

I even used atmosphere on sysnand for a few years and was fine.

Worst case the console is banned and you just buy a new one with all the money you saved not spending $60 on used Nintendo games, and the banned console is still good for literally everything except playing the few online games.