Rusty,
The problem with DC Offsets is that it's very difficult to actually know when you have one.
You could look for a visual cue but if there is a problem, it's not likely to be so glaringly obvious. More like just a couple percent positive or negative.
You CAN however, tell if you get a DC offset while recording with your gear (the only place one's going to be introduced is by your hardware). Just turn on your preamp, plug its output into your soundcard, and record the sound of silence. Don't plug a mic or anything else into your preamp. Just get the sound of your hardware.
At that point, you have two options. One, you can either use your software's analyzation tools and get it to tell you if there's an offset, because if you haven't recorded an actual source, whatever it tells you will be completely trustworthy. If you don't have that kind of tool, just zoom in nice and close on the waveform and see for yourself if it's biased above or below the centre line. There will likely be a small bit of a waveform there (self-noise from your preamp) but it should be nicely centred around the zero crossing.
DC Offset doesn't really cause audible degredation of your recordings, it just makes it so it won't be as loud. Think about it: if you apply gain to my shitty illustrated waveform there, the top example (DC offsetted) is going to hit the clip point (edge of the box) a lot sooner than the bottom example (no DC offset).
I'm not sure about it affecting plugins - either it means they won't have as much headroom for volume, or they have geniune problems reading and manipulating a DC-offset waveform because it causes math problems or something.