Welcome
@Jman2424
Before diving into e-cig hardware, I suggest you check out the Hercules SR-74 by w9tech. It is an atomizer that is built from the get-go for vaping concentrate. It is affordable, and lasts forever. On the downside, it has a large wick and is not forgiving of user error. There is a certain routine with heating it up and hitting it, and if you abort your hit part way you will have issues with melted oil. All wicks on all devices work best when Goldilocks (not too wet, not too dry). You can not use this device to vape "every last bit of your concentrate", you will always need a buffer in the wick to keep it wet enough to hit well.
Traditional e-cig atomizers have insulated positive posts. The negative posts are directly in contact with the deck. So yes, there is a serious risk of electrical shorts anywhere that the coil comes in contact with the deck. We build our coils so they do not touch the deck at all, except for the leg that is bound to the negative post. You can see the insulation for the positive post if you look from the top, as well as from the bottom (the 510 male connector). Most mid-range atomizers use Delrin insulators, but you can look out for better devices that use PEEK instead.