Oh, mate... if you're gonna get those piercings done, go for it, that's awesome.
But don't do that shit yourself. There's plenty of risks when you get them done professionally (decreasing in sensitivity, etc)- but doing them yourself is just... (sorry) stupid.
You're not going to get something completely sterile unless you've used an autoclave. I'm going to assume you don't have one of those lying around? Mate, of all places you don't want to get an infection... *shudders*

Right... anyway. I don't think I'd get anything below the belt pierced, but I've been thinking about getting my nipples pierced for some time now.