The only harmful side effect creatine has is if you don't drink enough water you'll destroy your kidneys, otherwise it's the safest and best supplement to use. Cheating? No, not at all. For more information on creatine read this.
Let's not jump to conclusions. I take creatine as well, as it has been proven to be performance-enhancing for anaerobic exercise. But while short term creatine use has so far shown to be safe (as long the recommended dosage is not exceeded daily), the same cannot be said for long-term implications. Since our body produces creatine at low levels, it is difficult to say whether increasing the level of creatine substantially in our bodies is dangerous in the long run.
plus it really is "cheating" for muscle gains.
Won't make this a long-winded semantic argument, but how is it "cheating?" It's just a tool to help build muscle, but nothing is being cheated. It's as if you're saying taking creatine is morally unethical, but that's just ridiculous. I wouldn't even consider the use of anabolic steroids as "cheating." A person can do whatever he wants as long as it remains within normative moral boundaries.
Also taking creatine to get muscle gains is literally cheating, you are fooling yourself. The creatine just distorts your figure by retaining water in your muscles, and providing you with a boost to lift heavier.
Probably an individual thing, but creatine usage has not distorted my figure. I don't appear to retain more water, resulting in a bloated appearance, when I'm on creatine. And assuming your figure is "distorted," just get off the creatine and you'll eventually lose the bloated look.
You are literally degrading the quality of your body in the long run.
Going to be impartial here. As you said, the negative side effects are possible. But that is not a guarantee, so you cannot say this absolutely.