I use the same solution for both when using an SSMS on my local computer as well as when using RDP. Use a horrible background color (red works well). That way there is no chance to know your not on a production server.
If you are using the same AD account on your own computer as well as on the production server... you nuts?
If you develop stuff as well as do things in production you really should have 2 accounts, as to limit the risks. A developer account should, in my mind, never have prod access.
Setting connection color... the color on the Tabs/statusbar is just to little to catch ones eye. But if the entire background is a different color... hard to miss.