You may answer that yourself, if and when that 28% chance of ruin occurs.
If all that counters wanted was the best of it, they would settle for a 51% chance of doubling their bankroll. Truth is, counters want as near to a sure thing as possible, at least, in terms of the long run. Counters do not fancy themselves as gamblers, although they know that on an individual session by session basis, they are gambling. But being true to their principles, and never deviating from sound card counting practices, they have every reason to believe that in the long run they will emerge victorious.
Your propensity for risk-taking, OTOH, seems indicative of a gambler bent on taking the world by storm or going down in flames--and in either case, isn't it the action, the glamor, the glory of it all? Classic gambling addiction. If your initial judgment as you enter the arena of card counting will be to cast aside recommended RoR guidelines, then you can be sure that as time goes on, having gotten away with it a few times perhaps, just one of these times in your career that 28% will catch up with you and you will find yourself sans bankroll repeating to yourself over and over, "Why did I not listen?" If you think that in the future, when you have augmented your bankroll, you will revert to recommended RoR guidelines, think again--you won't, and you know it. If you can't do it now when you have everything to lose, now when you are not in the heat of battle and cool, sound decision making is easiest, you will not do it later when you have only experienced success doing it the wrong way. You will have trained yourself to go for it. But for card counters, reliance is on mathematical formulation, not anecdotal evidence.
PS--And just starting out, you can be fairly sure that that 28% RoR is really much larger due to the inexperience factor. It presumes perfect basic strategy combined with perfect card counting implementation, including game selection, following prescribed bet spreads, and highly disciplined application of all card counting principles to a T. No steaming, no catch up tactics, no deviations--just boring, methodical application in a cool and collected manner. Boy, have you got a lot to learn. Me, I'm still learning.
