Omahilo is right, it entirely depends on why you're playing. This is a question that every poker player should ask himself before he sits at a table, and even before he deposits money.
If you're playing for fun, then fuck it: grab a beer, put on some music, and play poker. Limits shouldn't matter, as long as you have enough for the buy-in. The main idea here is to have a good time.
If you're playing to get better at poker and build a bankroll, then you have to slow down. Play limits that are w/in your bankroll, read, post, read, analyze, and play more. Experience at the tables and dedication to learning is necessary.
It sound like you're trying to get better ... I suggest keeping the money in your account, playing LIMIT hold'em, and adhering to the 300 BB rule.
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