Derek,
No one's chapping on you, we are just saying it like it is. You made the comment "has anyone been crazy enough to..."
As previously stated, installing SME 6b3 is of very little risk to you.
I do agree with Michiel. If you want no risk, then pay for servicelink. Taking advantage of free stuff, regardles of who it is from, always comes with a certain amount of risk. It's up to you to decided if the risk is worth the money you are saving by not paying for the product.
Greg Zartman