Don't afraid too much. Don't make it a nightmare. There are lots of pay per click programs. If you get banned you can easily modify your code to another PPC program.
I personally know a number of people who accidentally clicked on their own ads and nothing happened. Im sure google does not even count them clicks. Obviously if you click your ads every day its a different matter.
I have clicked on my ads a few times accidently, I have done a search on my google for search. It seems google is smart enough to know it is you. I dont think I was ever credited for these clicks, seems they dont register.