Overlay Discussions

So, i like to customize everything and also make things easier on me. So i saw OS buddy which is very well made for old school not RS3. But i researched and found two that seem popular and actually well made with many features i find useful, now i'm not here to advertise but rather discuss and information gather, i'm paranoid of losing my account since i worked hard for it, there is always a risk to what we do, but it would still be a nice addition to my client, so i ask your opinions or personal experiences, does anyone here use any overlays such as alt1 or swiftkit and have any information to give me regarding them or know someone that used them bad or good anything helps.