Should I make Reserved Instance (RI) or Savings Plan (SP) purchases or exchanges outside of ProsperOps when it is enabled?

While we can't prevent that, it is strongly discouraged. ProsperOps algorithms will automatically build and maintain an optimal commitment discount portfolio, so outside changes are unnecessary. If changes are made outside of ProsperOps, our algorithms will discover those changes, log them, and adapt the portfolio, but your savings rate may be negatively impacted.