Thanks for your reply Leona. Definitely some things for me to consider.
I can see how both our models of calculation could give data that fits our results. Which is the one
MA uses? I don't think we can tell for now, but I guess the safe bet is on yours (requires less bankroll anyway).
My personal hope is that
MA wouldn't put such a negative incentive towards skilling in less violent means of burning tt. I do only play with an amount of money I can afford to lose outright, so I guess for now I will continue to play in the way that is fun and rewarding for me even if it comes at a cost in the final results.
Thanks again for taking the time to consider my post and reply so clearly.