There is no penalty per se, but visual approaches in particular have lower separation requirements, so having to switch you back to a non-visual approach may require ATC to make corrections (e.g. delay vectors, speed control or, in extreme cases, a missed approach), which may feel like a penalty.
It's no problem, just tell Approach you have the airport in sight & request the visual. They'll give it to you almost always. A visual approach is generally a little less restrictive for the controller than an instrument approach is.
FYI, what you're trying to do is called "georeferencing."
The scale for each plate is whatever is required to fit in all the relevant information without wasting space. Therefore, to properly geo-reference each plate, you will need to identify at least two points (e.g. CUTIS and CFVGK in this case), look up their lat/long in the published tables, and ...