I like 20. I 8 table and always reload if I dip below the Max buy-in,usually after 2000 hands I'm the chip leader on at least 6 tables, it's a nice feeling. Time is also a factor if I have $600 in my bankroll but my rent is due in 2 days, I won't risk playing $25 NL and having a bad swing and not being able to pay my rent and still have eneugh to play with. However if all my bills are paid for the next 3 weeks I'll gladly play $25NL with $400