I dont have prime and I too have problems looking for competitive games. I thought that it was because I didnt have prime. But, if you have prime and you have problems looking for games while the skin changer is enabled, thats pretty weird. Im currently testing if I can find a game faster...
I'm pretty confident that there is a very low chance of you getting banned if you use it on a main account. But, like vofflan said, they cant see into the future.
If I create another account without this one being banned, will I be banned on both accounts? I want to make a new account so I can get a new username 😭
Suggestion: Make usernames changeable on the website. Whether it be a one-time change, or a once-a-month change.
Being poor isn't always the case when it comes to skin changers. For some, yes, but for others, maybe they would rather spend $5 to get every skin (expensive or cheap) in the game with a one time purchase.