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At worst, you won't be able to change your profile name for a while, and if you keep on going, it will probably turn into a permanent restriction on changing profile name.
Yep this, if they told you 5 in a 3 month span people would do it 4 times and then wait for the cooldown.
Anything more then 0 can get you banned
Basically ask yourself would you repeat your name at
1. A job interview
2. Church
3. To your grandmother
4. In front of your young kids
etc
There is no rule that says what is/isn't allowed aside from following the general steam rules. If you have to ask if your name is offensive then it probably is.