Alright, jumping in here — I’ve been down that rabbit hole more times than I’d like to admit. First thing, yeah, those “tiny rules” are very real, not just you being paranoid. The trick is to slow down (annoying, I know) and actually skim the terms before hitting accept. Somewhere in the middle of my own trial-and-error phase I found
On the Website a breakdown that made things way clearer, especially around bonuses and limits. Not perfect of course, but way less headache. Honestly, once you get used to spotting the traps, it becomes almost second nature, weirdly enough.