Until the tick attaches, there really is no danger whatsoever. After they attach you have to be careful. If you can get a fingernail under them and pry up that usually gets them scrambling to reattach. After that, it's a matter of just pulling them off. It's just important that a) you don't crush them and b) you don't rip their head off. Be gentle but persuasive.
There may be a reason for all the technology. I don't know. All I know is that for the dozens I pick off my body every year, there never seems to be much of a problem. The crawlers outnumber the diggers about 10 to 1. 90% of the ones that attach do so on the back of my skull, just inside the hairline on the back of my neck. However, I've had them attach just about everywhere over the years. They like having hair to grab to help attach. I've had them in my armpit, my chest, the back of my knee, the back of my arm, my crotch and my ear lobe. The majority of these came from backwoods camping and backpacking, where I was too busy paying attention to other things.
They're actually fairly resilient creatures, and frightfully hard to kill unless you really mean to. When I was a kid my grandfather got me a gag Christmas present: a 100% guaranteed bug killer. It was two blocks of wood. One was painted red, the other white. The red one had a target that said: "Put bug here. Place White block on top. Apply pressure." That's about my favorite method. Instead of the two blocks, I'll use the handle of my Swiss Army Knife-- see, there's yet another use for a Swiss Army Knife!!! I pick a deer tick off, place it on the table and put the side of the knife handle down on it until I get a pleasant "POP!"
Dropping them in the toilet is a good way to do it back home in the city. They can't crawl out, and I think they drown. They at least stop moving. However, down at the farm, it is not such a good idea. Our sewage pipe runs about 150 out the back and ends out in a pasture. It used to run only 50 feet, but I added 100 feet of corrugated plastic pipe to the end an ran it out into the field. I move the end of the pipe every couple of months. If we were to flush the ticks, I have visions of an army of soiled ticks laying in wait for us, crazed with revenge and biding their time for a march on the house. It gives me the shivers.
If there is any redness around the attachment point, it probably would be a good idea to save the tick with the scotch tape method I described. Normally the bite, given a little triple anti-biotic goes away fairly quickly. If it gets big(I've had one go to pie-plate size) or it gets a ring (spreading infection-- think Lyme) consult a physician immediately. The stuff you can get off a tick is truly horrendous. Lyme and RMSF are the most popular scare stories, but my doctor assures me that there are much worse out there if you want to dig for it-- pardon the pun.
I'm sure we have friends in the city who won't come see us anymore, but if you have deer you have ticks. I used to think it took turkeys to cause turkey mites, but I have since found out chiggers and turkey mites are both larval forms of ticks. When we camp anywhere in Kentucky, I spray the ground outside the tent with Raid House and Garden. I got an infestation of turkey mites one night down in the Big South Fork. They attacked my crotch and armpits-- maybe a hundred bites all told. Each one was a painful raised welt like a flea bite from a saber-toothed crotch cricket. Yikes!