That's my bad. I've never had T5 heroes when I cleared except for my first ever account. ToC had never been the reason for any of my bans. I wouldn't say you're safe but you may not need T5s to avoid the hammer
I definitely used insta win from chap 4 forward in all modes. I don't know how I did it either. I'm about to update and get final clarification on the the ban
Only really a risk (to me) in Arena, but most will warn you against using mods in public events like raids, arena, and world boss. Use at your own discretion.
Still have everything on as stated for lab & sub. The only mod that works anywhere without notice is SCD. I use it in the arena too from day 1 and still no ban