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The short answer is yes, a sagging plaster ceiling is dangerous. Sagging plaster on a wall is something you should fix immediately, but it isn’t a major concern. If the same type of sagging occurs on a ceiling, however, you could be in danger of your ceiling falling in large chunks. When plaster sags, it loses its strength and ability to hold itself up. The bonds that hold it together are strong, though, so if a sagging area falls, it will take large pieces down with it.

Ceiling-mounted curtains won’t damage the ceiling if they’re installed properly. Using the right anchors or securing the brackets into joists will ensure the curtain weight is properly supported and prevent damage. However, overtightening screws, using weak anchors, or repeatedly removing and reinstalling hardware in the same spot can cause cracking or sagging over time. In that case, you might have to call a pro for ceiling repair.

Plaster itself has a higher R-value than drywall. However, there are other considerations surrounding plaster and insulation. As a general rule, it's easier to obtain consistency in insulating value and quality when working with drywall rather than plaster. Plaster walls often don't contain any insulation behind the wall covering by design, and careful evaluation is necessary when choosing to add it.

In some minor cases, you can DIY drywall repair with minimal time and money spent. This method is best when you have a hole made by a singular problem, such as accidental furniture moving, and not a continuous problem, like a rodent infestation. 

Knowing what product to use is crucial. For example, small holes only need spackle, whereas large holes might need a new piece of drywall. You can flex your DIY abilities on this project, but if you’d like a second opinion or have a more significant problem, it’s best to call in a drywall repair pro.