Well first of all, you and most everyone here was "Knowingly" killing themselves at one point, and me personally was happy about it. That being said...
I actually only use the cool carts from V4L, kinda partially for that fear. I found regular kr808 cartos burn real hot and make me a bit nervous about the whole burnt inhalation thing. I have found that topping them off regularly and keeping them wet goes a long way towards their life expectancy and reduces any risk of burning. I actually have a cartomizer that i used everyday, 2-3 refills a day for almost two months. Looking inside it I did notice some discoloration on the inside tube. It was really a small amount. I think possibly inhaling the fumes after lightning a match would be considered more severe.
BUT who really knows... I can't stand regular atty's because they always have a burnt flavor, or after a few drops give me a burnt flavor. I may be doing something wrong but I think the burning taste freaks me out regardless. People always say "after you get that burnt taste then refill your cartridge or put more drops on the atty". EW I don't want any burning going on..I have not gotten any burning taste if i keep my cartos wet.
T