Lame bankroll question

[ScottTheFish]

I went from full ring limit to 6-max NL in March and never looked back.

Went thru the 25s, 50s, 100s, now in the 200s. About 50K hands in that time. I know the normal recommendation is 20 buyins for the level, but I've always gone with 10, and feel like it's plenty.

Now let me say i would not hesitate for 1 second to drop back a level if my roll got down to 10 buyins for the lower level. This would take a 5 buyin downswing, which I haven't had yet, thankfully.

I have always been very protective and conservative with my roll, in that I would never take a shot at a level way over my roll or move up to try and make back losses.

As long as I'm willing to drop down, I don't see how I could ever go broke. Am I crazy? Am I just asking for trouble?