You can check your voting power and bandwidth in your panel at steemd.com:
https://steemd.com/@nosajj
That way you can know beforehand if it is the right time to post or upvote something...
But you're right, it is true that sometimes you need more bandwidth when replying to comments, which should be incentivised in the platform.
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Thanks for the tip I was aware of how to check my voting power, but that slider gives no indication of available bandwidth so you can be in position where I was where I had plenty of power to use or spend but no bandwidth to spend it. That's why I think limits should be calculated with sp in mind rather than than the underlying requests to the block chain.