I use the terminal several times a day and have so far, knock on wood, never done anything that have caused any issues.

For instance, I find using the terminal and the command line to be great for;
- unzipping/unraring/untaring files,
- dpkg / apt-get, ( to install, update and clean)
- certain apps like iptraff, dungeon crawl, etc require you to run them from the command line,
- etc.

If you dont, as a n00b, explore your device outside of the GUI you might as well run Android (which is a great OS).

I'm a total Linux n00b.