Clearly I don't disagree with you about what is the best motivating factor, as it is different for everyone. I am grossly overrolled for the levels I play at, and I think this helps me stay level-headed, but I can see why presuure works for you.

However, I think it's a slightly false situation. As you say, you have withdrawn $200 which you would be able to deposit should you bust out. In real terms, therefore, that should be added to your bankroll, and you should base your decisions on which level to play on that. It's like there is a little bit of pressure, but you have a confort blanket in case it all gets too nasty. Which is great, but technically, I think you should acknowledge that it is part of your BR - apart from anything else, it'll get people like me off your back!