In terms of long term effects and nasty side effects the drugs we take in order of worst to best are:
1. Prednisone
2. NSAIDS (tylenol, motrin, ibuprofin, etc)
3. DMRD's (MTX, Sulfazine etc)
4. Biologics (Enbrel, Simponi, etc)
You need to read MORE than the lawyer written CYA info to be informed about drugs. I have a material safety data sheet (MSDS) written to exact OSHA standards including required protective equipment for a very nasty corrosive solvent call Di-Hydro Oxide. You would never want to use this stuff. In fact of survey of 500 adults 500 thought the substance should be banned - Its water. Aspirin were it to come to market today would be a class three controlled substance and available by prescription only.
If you don't take the drugs? Pain. If you can handle it, no problem but make sure you can BECAUSE that pain is actually your joints being slowly destroyed by inflammation. You will be able to cover it up for a while. You might even find a Pain Management doc to give you the good stuff. But One day he will tell you I can give you no more and the pain will unmanageable FOREVER because the damage is permanent. You will be able to have some surgeries to fix SOME of the joints, but they will be a living hell because you have taken pain meds for so long the pain meds can no longer be given in sufficient quantities to control the pain.
Now you have but one choice to get through the day and that is to take steroids on a daily basis in ever increasing quantities. (These are the same ones they give terminal cancer patients) First of all your adrenal system poops out so thyroid goes wacky and you blow up like a balloon, then your pancreas isn't getting enough direction and you get diabetes (we won't discuss what happens with diabetes - its too graphic) Finally you liver says enough.
Of course you could take the Enbrel and get that nasty itchy red spot for a few weeks.
I'm gonna repeat the Mantra of this Board- FEAR THE DISEASE NOT THE DRUGS
Everything that happened to anyone taking the "Drug" during the certification process MUST be listed as a side effect. That could include Hang Nails (listed for Lamisil) doesn't mean its related to the drug. Post approval studies are the ones that count. Several drugs in thiose studies have been withdrawn and others like the Biologics have been shown to be even safer than first thought.
I'd be happy to give you the real numbers and risk factors for any of the drugs if you ask (be specific). For example Cancer with Enbrel is 3 in 10 thousand (granted it likley will kill you if get it) but the lifetime risk for getting cancer for folks not taking Enbrel is 20 in 100.......http://www.cancer.org/Cancer/CancerBasics/lifetime-probability-of-developing-or-dying-from-cancer