BC you are correct in your ways even thought your bet percentage of 5% is quite high for me it is still a safe option.
I have used many different types of stakeing but come back to the old percentage of bank bet...it is the safest bet of all with the ability to get big returns as your bank grows.....no matter how good your selections are and what your percentage of winners are...no one can determine when there wins will come...and this is why other types of stakeing lose with the exception of flat stake bets....even if you have a 60% win strike and have won the last 5 years...if you get a bad loseing run...and it will happen....you are in trouble even if you don't lose the bank you will have a hell of a time getting it back to where you were makeing good money.