If you damage a mic with phantom it was dreadfully designed. I never turn phantom off, and we used to have mixers with global phantom, and you just pulled the fader to stop the crack, plugged in and went. At an exhibition, years ago, i asked the head of technical at Canford Audio, who handled most BBC purchases if they had ever had a mic returned, damaged by phantom? He said no. Ive tested all my ribbons, and old precious ones and no harm happened. Physics says it could under certain circumstance, with lottery number risk, but we only know friends of friends, who live next door to a famous engineers dentist for the facts.