I am generally afraid to make posts out of fear of losing significant reputation (& privileges) or being heavily flagged (& risking suspension or worse of the account itself) if my post is anything shy of exceptional. Is my fear valid & creating a sub-excellent post is a strong gamble that is quite likely to receive significant disapproval and/or flags? Or am I worrying about nothing and I'm just being overly pessimistic about the community's standards?
Thankfully making a comment doesn't directly risk reputation, but comments can still be flagged just like questions or answers. I am especially worried of my contributions being flagged by people that are either very hypercritical or downright malevolent/mischievous (i.e. they downvote & flag for the sake of causing misery/chaos). Even with intelligent checks in-place designed to prevent this exact occurrence, in my experience an automatic flag handler tends to bias against you & treats most unjust flags as valid. The manual peer/moderator flag review process usually works well, but sometimes you will suffer the wrath of the inevitable "bad mod"moderator". A "bad mod"moderator" could be one that is some combination of -among other things- inept, biased, hypercritical, overzealous, power-mad, spiteful, or simply in a bad mood at the time of review; any of these could lead to unfair judgements or disproportionate punishments. (NOTE#1: A "overly kind mod"moderator" with opposite traits can still give unfair judgements in the other direction and may be too lenient with grievous violations; this is still problematic but in a different way.)
I don't want to gamble my account and privileges whenever I genuinely want to ask a meaningful question, or when I feel like writing a reasonably helpful answer to an unanswered question if it doesn't cause me much hassle, from nothing more than a desire to be helpful. As is, I feel I should only risk asking a question if I direly require the answer. I should also only risk answering for the purpose of gaining reputation to build a safety buffer or gain usable leeway, and only if I can confidently put forth the full effort needed to create an "exceptional" answer. I don't want to have this attitude, but the apparent construction of the system & my prior experiences creates a quite pessimistic outlook that suggests I should "play it safe" by avoiding writing ... anything.
Perhaps I am too distrusting of people, and am anticipating behaviors that are less than realistic or far less common than I expect. Perhaps I am once again being massively over-deliberate in thinking about these decisions. I know this dilemma impacts me far more than most SE users, but I also know that I am not the only one that has this problem.
Am I substantially overestimating the losses/penalties I'd receive for less-than-perfect work? As long as I put in decent effort to my posts, will negative responses (downvotes & flags) not occur frequently enough to risk any "functional damages" (I.Ee., gains from positive responses reliably outweigh negatives, so repreputation points shouldn't drop)? Is posting far less "dangerous" than I'm expecting it to be?
NOTE#2NOTE #2: I am aware that repreputation points losses are significantly weaker than repreputation points gains (ex.for example, upvotes being +10 and downvotes being -2), but considering the highly-critical nature I've witnessed across SE, I expect the quantity of negative responses to decidedly exceed positive responses for all but the highest quality posts. The greatest concern is the repreputation points losses from flags & any other administrative punishments that might follow flags.
Any additional relevant advice or tips would also be greatly appreciated. Also, please let me know of any criticisms about this question post itself so that I may improve in the future.
EDIT: Experienced Technical Difficulties - Accidentally made post using old account that still has auto-login, my active account is abmays