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This isn't nearly enough IMO

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This is good info, thanks. As I move up in levels I will probably have to do this. Currently I am playing at .5/1 6-max. I usually choose tables with pretty low avg. pots (3-5 BB) which usually means I'm up against fairly passive players and haven't had to dip into more than 50BB a couple of times. I also play purposely short sessions (wife, 2 kids, etc.). I can appreciate what your saying, when I have played live (8-12 hr sessions) I wouldn't think of sitting down with less a 50BB buy-in and another 50 ready to go.