I have been using Q Tips, in my ears, very regularly for over 55 years and have not hurt myself. On the rare ocassions when Drs look into my ear I tell them that I have the cleanest ears that they will ever see which is likely true. Occasionally I will apply medications to the Q tips such as NeoSporin (one of the great inventions of western civ) ,Fluticasone or USP white mineral oil (instead of olive oil).
The notion that you should never insert a q tip, is very silly, in my not humble opinion. Why would you think your own hand is less steady than someone elses? I would never let anyone else clean the earwax out of my ears. That is much much more hazardous.
BTW flushing your ears with cold or warm water results in "caloric" testing of your otoliths and in many individuals will result in violent vertigo. The water should be between 93 and 99 degrees fahrenheit. Measured with an accurate thermometer.
In the USA a typical ENT office visit will result in about a $300 bill. Even if his nurse does the deed.
The advent of modern miniaturized electronics means you can buy a tiny earcam outfit and watch what you are doing. But I have been doing it by feel for more than half a century. (They are down to $27)
https://www.walmart.com/ip/Harupink...l5=9022896&wl6=144818718613&wl7=&wl8=&veh=sem
https://www.amazon.com/s?k=earcam&g...937979&tag=googhydr-20&ref=pd_sl_87iaatqu30_e