If you don't have a restriction on what you can put in while learning, 1/2-1/3 of the rilla-recommeded bankroll is playable.

The issue is if you are setting yourself up as a bad BR manager for life. You don't want to be one of those guys donating money to other players because you are out of your bankroll and a nl buyin loss affects your play because you just lost 1/5 of your bankroll.

I am another FTRer who put in 50$ to pokerstars and never plans on having to deposit anything from my paycheck to play poker for the rest of my life. Starting out below what you find exciting helps develop proper card discipline, tilt-immunity, and bankroll management. As you move up within your BR the amount of money you play with becomes trivial to what your BR is so it is easier to disassociate $ value from the chips.

These are just my thoughts. I would keep playing within your BR. If you are just playing for fun, go for it. But if you want to develop as a player...

- sed