In time, the Ring would have twisted Frodo as it did Gollum. Even Gandalf feared to touch it. If it could corrupt someone like Gandalf, then no-one could take it and remain unchanged. Less potent rings overcame the Nazgul, who were once powerful, strong-willed men.
However, the Ring would never have sufficient time to completely destroy Frodo. If Frodo hadn't taken the Ring to Mount Doom but stayed in The Shire, the Nazgul would have found him and taken the it.
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