Was interested in OE, but now I'm just scared

The more I read about people getting caught, the more I learn about all the different resources available to just fck you. This week, I learned about Lexisnexis & TWN, and how you have to freeze it, and if you do, prospective employers might go straight to your current company to verify employment? And if I'm looking to get a mortgage in the future, they apparently use that too?

Man, it's a lot of risk, and I get it, for a lot of reward, but I think the anxiety would drive me crazy. I currently have a very good paying job (close to $200K TC), and I'm looking to get a second one with even half that comp just to pay off debt, but now I'm just nervous to OE.

Looking for any help to feel more at ease, and to make OE just feel less daunting. I already know the basics; use separate devices, STFU, schedule meetings different days, don't overperform.