That clown in your system can be PRETTY violent, one with the potential to cause human harm, after all, they are part of the damsel family.
To suggest that the risks of having a clown fish are equal to the risks of having zoanthid polyps is just an irresponsible from an experienced reef hobbyist in a forum and a thread with newcomers to the hobby. You know full well that these are not equal risks.
By your logic, one should never get out of bed. Oh wait, then one runs the risk of bedsores.
There are fish and corals that carry and routinely expel deadly toxins, for which there are no known or readily-available antidotes. Worse, most places that sell these things do not prominently display these facts, leaving it up to the hobbyist to just know.