If we go the super conservative route, then yes, that is true. Having clones in any capacity would by risky. Do note that there are situations that natural clones can be generated, and by the same token, those would be risky too, since HOME isn't very well programmed and they don't appear to keep very good documentation to prevent stuff from being flagged (example would be new events wouldn't be allowed for trades until they are whitelisted).
Do keep in mind that the appetite for risk varies from person to person, so how comfortable would you be with the knowledge that GF/ILCA doesn't check these things super seriously nor in a super detailed fashion, and where do you draw the line for what kind of clones are acceptable, are up to you.
While true, anything with a Tracker that has entered a different person's HOME gets the tracker rerolled, ESPECIALLY if the existing tracker is already in HOME.