UB questions

Since you need 10 UB pts for every $1 in bonus money, and the rake structure is such that the max. you can earn in a pot is .5 UB pts, isn't this effectively worse than a 20x raked hands bonus requirement (and this doesn't take into account that some pots will only earn .25 UB pts)?

I was tempted to do it, but that clearance rate scares me...can someone try and convince me otherwise? (I would like to do it if it seems worthwhile).