It's good to know that there are still some newbies out there whom take it upon them self to do research and study on their own. From what you've said here and the links you said to have studied, it shows that you won't be having much of a hard time, navigating the forum. All the links you highlighted are very important for every new person joining Bitcointalk and willing to stay here for long.

Just as you've said here, the forum rules are not to be broken. But theres just one thing I want to correct here.

Yes, there are consequences when you break any of the rules on Bitcointalk, but your account cannot be lost. Loosing your account simply means that you lost access to it, probably due to hacking or using an invalid email upon registration(you can reset password if forgotten).

What happens to your account when you break the rules is that you get either temporary or permanent ban from the forum. Again you may be given negative tags from members who found you guilty of some offense or find your post spamming and unuseful.

As long as you don't break these rules, you will remain on this forum and enjoy it's benefits. Bitcointalk is as wonderful as you have said so make sure to take your time and explore more subsession on the forum. Learning should be your major objective for now.  Once again, welcome to BITCOINTALK.