Think of it like a Final Smash in Smash Bros. You probably ought to roll if theres a chance of failure, but its big and flashy and if it hits, probably solves your problem.
the text isn't very explanatory, but this is how I've always run it.
Yes, there is active harm. There is no public facing image generator that hasn't been trained on countless stolen works from actual artists, and regardless of its price, it shouldn't be used. Again, there are countless free resources of art on this very website that could be used with granted permission by the creators instead of popularized the plagiarism machines.