Great point @jctdesign! I haven't yet experimented with 100% SP payout but at your comment, I think I will hold off on it. I'm starting to understand the exchange between SBD and STEEM (and have been watching them on the market) and I think that's the toughest part of Steemit for me... but it's forcing me to learn more about investment, currency, and patterns, which is a good thing!
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That has been the toughest part for me too, but I guess it is good to learn while you still don't have much. I started watching the market prices when it the SBD/STEEM ratio was between 0.6 and 0.7. I didn't have a frame of reference at the time, so I had no idea how good that was. I wish I had converted all of my SBDs to Steem Power at that point, but again...I am just trying to learn as much as I can at this point.