You only need to follow this advice if you (the player) have an antagonistic relationship with your DM.
Your character might suffer from the ideas you give them, but the player should get enjoyment from the situations you got.
More often than not the best answer to “Wouldn’t it be hilarious if X happened?” is “Would it? Let’s see! …”
And if your DM is antagonistic towards players, you’d probably have more fun in another group, unless you like fighting god.
(absolutely DO feed the DM plot ideas, actually. They love it. :3)
If you want to play a fun dynamic world, DO give the GM ideas, you never know when you’ll turn a slightly cool idea into a story arc, because the GM feeds off your excitement.
A recurring villain was introduced on the first session. She was a human pirate captain with very pale skin. One of my players immediately thought that she was a vampire.
…
So she is a dhamphir now. (Couldn’t make her a full vampire, they met her in daylight.) Not like it gave her much of a boost except for a climbing speed and spider climb anyway.
If I had a nickle for each time i’ve thrown out pages of notes because a player surmised something really cool out loud, I’d have many nickles.