I agree mostly, though people like me who have bank accounts in a different currency have to consider crappy exchange rates/fees when transferring to/from our bank accounts as well (ie I think neteller charges 1.5%(?) extra on each transfer). There might also be a tiltfactor when the on-site balance gets low.

Keeping the above in mind, how many buyins do we generally want to keep on-site? I'm playing three sites and I'm thinking maybe keep 10 buyins on each site, a couple in neteller/mb for quick reloads to avoid the tilt issue, and keep the rest in the bank account at 5% or so (and putting some of it in index funds as the bank account grows).