I personally would never ever take the risk, probably because all I can think about is, what if, God forbid, I get into some sort of accident and someone was hurt or killed...? I'd never be able to live with the guilt. It would be bad enough if I had a license. But knowing that I never should have been on the road to begin with would push me over the edge. Maybe I'm just too paranoid. I drove here on my US license alone for a year. When that year was up, I stopped. I have tried taking my test but cannot pass. I have come close to doing what I hear others doing, which is basically just to drive anyways, because I'm so fed up. I've stood at the door with keys in hand but then think, and I can never go ahead with it. It's not that I think I am unsafe, but I guess you just never know.
What I'm saying is that if I would just receive a fine, I probably would have done it long ago. But it could be worse than 'just getting caught'.