no need to cut. you can just slide the plastic off the pins. I do this all the time.
once the plastic is off the pins, you can pretty much hold the board with pins down, and melt the solder on each pin and the pin will practically just fall off the board.
instead of using surface mount header on the inner pads, search in one of the sticky post that use double pin header plastic and replace one row with right angled pins.
Trying to cut the plastic up without lifting it well away from PCB surface would rate as even riskier than trying to desolder the pins "properly" with a Hako 701 ESD Safe Repair System (the best solder sucking machine at my work-place) imho.no need to cut. you can just slide the plastic off the pins. ...