I would actually like someone knowledgable to chime in if possible: what is the actual risk here on a standard 110 switch? I’ve changed a bunch of switches (and even zapped myself a bit) without ever having the slightest of issues.

I'd class swapping outlets, switches, and light fixtures, as among the kinds of home-repair stuff you have to know & do unless you're rich enough to never personally do work on your house. Like replacing a faucet, a leaky branch water shut-off valve, or the tank-innards of a toilet.

I can only add that I've been doing my own electrical work for over a decade now and have been successful.

Haven't been zapped either (I'm extremely careful about that, not so much when I was young).

To be sure though I have stopped at the point where a new circuit/breaker would need to be added to the panel, new wiring run. Although I do understand in theory how it is done, how to select the right gauge wire for the circuit, staying within the current limits of the panel....