Radios are "type certified" by the mfg. Most ham rigs will transmit out of band, but usually require modification to do so. If you modify it to transmit out of band and you splatter all over the place and cause interference, and you continually do it, whoever you're interfering with can file an FCC complaint, then the FCC can and will track down the interference. If they find the offending transmitter and it's not type certified for how you're using it they can fine you up to $10,000. The guys that get that fine and see jail time are usually intentionally interfering with valid communications. Keep that in mind, as long as your signal is the right deviation, and not causing interference, then no one is going to come banging on your door.
With that said, just get your ham radio license. There are books available at ham radio outlet, or if you want, go here and continually take the "Technician Exam"
http://www.qrz.com/p/testing.pl
I'm a fan of Yaesu radios, they have some around the $120 mark at HRO that will work great for you. The FT2800M is being discontinued, and is a good deal right now. The FT1900 would be my choice for a new 2m rig, it's SMALL and outputs around 60-65 watts. You can pick up a magmount single band antenna from "The antenna Farm" for about 30-40 bucks.
Look in your area for the test, usually in socal you can take it on any Saturday at someplace around town.