What's the risk? Getting banned from PSN? If you don't care about online access then it's sort of moot if you get banned.
Besides, as it is right now.. if you're careful about what you're doing, it's pretty undetectable anyway.
And yea I know it was just fair warning, and I agreed. This new firmware should not be used at any cost. I say if you must have PSN access, use Geohot's firmware and patch games manually, that's the safest and cleanest option available to everyone right now.
No seriously I did, some places have exams after christmas, some before.