Holy crap that's a lot of questions. I'll take a shot at a few with my personal opinion:
1. I think new playuers should learn limit first and then transition to No Limit. It's no an easy transition, btw, but I think it's important for people to learn the fundamentals of limit first. So many of these are so important and are completely missed if you jump straight into NL. With that said, there are a lot of successful players won't simply don't touch limit and that's that.
2. You should always buy in for the table max, or at least make sure you have the biggest stack at the table covered. If you can't, sit at a table with a smaller max buy in, so you can.
3. The BB/hour stat is pretty useless in NL. That's a limit thing, I think.
4. That 5% figure was a guideline. If you stick with it, you shouldn't go broke, but I think taking the occasional shot with 10% of your bankroll is ok. Just be prepared to stake two steps back if things don't go well.
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