Make your Steam account Private and turn steam cloud off.
Now for the ban part, I don't know what to tell you. I have only had a game ban, that's it. Search up possible bans for DBD on the web you should find something.
Hacking your save file is always a risk. I've used almost every save on here and have had no problems whatsoever. I'd say your fine if you use the Save Editor.
If your shit at DBD and you hack your account then just don't wear Prestige cloths ezpz.
If needed, reply back. I tried to cover everything I could.