What level you're funded to play depends on your total bankroll, not just the amount you have on a specific site. Said total includes all the money you're willing to use for poker, no matter where it is, including in your pocket, bank, etc.

To use myself as an example, I have enough to play NL50. It just happens to be spread across multiple sites. So if I have 50 on a particular site, I have no qualms playing it all.

It can get a little tricky if you decide to add to your roll over time; e.g. I've seen some people commit to adding $x per week or per month from their pockets no matter fi they've won or lost.

As for PT3 and HEM, they're tools that quantify opponents' tendencies. You still have to adapt your game to take advantage. This is a key and fairly common among micro players who "play their cards".