Whatever you're thinking of doing regarding swooping, whatever your reasons are, remember, in the end it's not worth it, it's not worth breaking yourself for this.. And never ever think it's not going to happen to you, life is too random you just never know, being conservative isn't a bad thing, coolness doesn't matter when you're broken or dead.
Edit: The thing is, you can most likely get away with jumping something small and higher performance for a while if you don't do anything with (and even then there are plenty of situations when the factors pile up and you get into that corner not because of yourself, but because of something else, it is very likely to happen), but eventually you will start doing something more with it and that's when the problems kick in..
For once I actually talk from experience here, I know I did get away with a lot of stupid stuff for a while (it was absolute pure luck when I look at it now, no skill), I thought and I a lot of probably think, especially if they save themselves from some trouble once or twice, they think that they will be able to do anytime all the time, so no worries.. wrong, if you don't spend your time piling up thousands of jumps (and actually making them count, not just racking up the numbers) and dedicating yourself to a step by step progression, when you start cutting corners, your luck will run out, it eventually will.. There are very few special people where they have an innate talent for stuff, but for most, it's the experience and step by step learning that got them to the point where they are now and know what they're actually doing (Soul Flyers, PD Factory Team etc).. and even then nobody is safe, look at Jonathan Tagle..
This sport is very expensive and time consuming, if you can't fully commit, don't cut corners. Just accept that, that's how it is. Not all of us are born into a rich family, so because of that you're not going to go and rob a bank now are you?
I honestly thought I was special or somewhat naturally better than others, now I'm in a wheelchair, most likely for life. All I can say is, don't be me or if you are, you have to be one tough son of a bitch to cope with all the shit that's eventually coming for you.. are you able to do that?
I'm not going to lie, I enjoyed at the time all the stupid stuff I did, I enjoyed antagonizing people over that here and elsewhere a lot, I thought that all those rules were crap, I'm getting away with it, so my way must be working, I'll just continue on and make fun of others haha, but in the end, the price was not worth it. There are betters ways to have fun.