When it comes to not using your account in 5 months and the SIM getting fried, are you talking about regular Verizon pre-paid cell phone service?
The iPad comes with its own Verizon SIM, and the whole iPad data thing works differently that regular pre-paid cell phone service does.
While the new iPad is the first iPad to use a Verizon SIM (so nobody's had one for a month yet, much less five months), but I'd be very surprised if it worked any differently than the AT&T SIM (which is to say you don't have to worry about the SIM frying if you don't use it).