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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.
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.

