Hi automan1500 and welcome to WebmasterWorld :) You don't need to switch products/affiliate programs if a domain is banned/penalized. You can simply start a new domain promoting the same product/affiliate deal.
Remember that cloaking is mostly a tool to be used defensively -- to keep competitors from reverse engineering your rankings. Many people also use commercial cloaking software as doorway generators/content creators, as well though, but doorways can be generated without cloaking.
