There's nothing to be afraid of if you're not doing anything wrong and even if you are the chances of getting disabled are slim, you'd have to draw a lot of attention to yourself. People don't get access to their accounts revoked for making simple mistakes or using features of the platform as intended, people don't get disabled for no good reason. You're functioning on the defined basis of total paranoia without rationality, you're free to do whatever you want but you're tip toeing around imaginary landmines right now due to an illogical fear rooted in nothing.
Yeah, so if you have nothing to hide, you have nothing to fear. People who abide by that rule often forget it's not for them to decide what is right or wrong, though.
Valve alone is judge, jury and executioner in all Steam suspension cases, so I'm functioning on the basis that they are not to be trusted. I don't think it is very irrational when we have a good example right here of them abusing their power: killing your account with all your games is wrong. I don't care if OP was obnoxious to Valve employees or used some hack tool to circumvent a forum ban. Those things should grant a community ban, or perhaps even an online gaming ban, but not destroying an entire library with years of legally purchased games.