I upgraded a wee bit soon, but I had about 20,000k under my belt, I'd say that its a really good idea to do a few k's before you upgrade.
As for getting caught, obviously don't do anything to draw attention to your self, keep to 109 on the open road etc, and you Should be ok. There's still checkpoints, I went through two and never had a problem but ya never know. Make sure you've got a few demerit points 'in the bank' just in case.
You won't get insurance.
"They say that if I do bungy jumping too much, I might get brian damage."
"I don't even know who Brian is"
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