Im not sure the OP is aware of just what has to happen for a person to get a Perma ban. You have to truly screw up in big bold capital letters to get a perma ban.
Flagrant disgregard of the TOS? Perma ban. (Many tend to scoff at this, but this virtual space is not yours, you are allowed to play in LL's sandbox. There are rules. Can't or Won't play by ther rules? They will take away your privliage to play in the sandbox. Not reading the TOS does not exempt you from being hit over the head with it, if LL deems it nessescary)
Copy botting? Ban
Using an illegal copy of a viewer to log in to SL? ummm Ban
Running a sim that caters to Anything that most humans and LL deems as inapropriate. BAM... Perma Ban.. lose it all.. bye
Anything that brings in the FBI? oh ya.. Big BADA BAN! ( and maybe even some jail time, don't talk to the tossed salad man )
How much you spend here is not even a point of concern. Screw up bad enough, you lose.