The terminology is probably important as you normally don’t get banned per se for making API calls. You’ll get throttled and a bunch of 403s usually, which are rate limiting messages.
The issue before was that Plex/Emby/Kodi (to my knowledge) opens and closes file a lot to probe/analyze them. It would see that as a full download of the file each time so you’d get banned for downloading the same file multiple times per second.
I’ve been running the vfs-read-chunk-size now on and off for ~6-8 weeks I’d say. 2 days ago, I just rescanned an entire 45TB in plex in ~2.5 days with no bans, some 403s as Plex sometimes tries to open 40-50 files in a second, but overall, no issues.
The daily API limit is 1,000,000,000 calls. With all my shenanigans, I’ve only ever hit 140k calls in 30 days.