Like Walker, it depends on where I'm at. (And infinite other variables, too -- i.e., namely, how far I am behind a competitor.)
Level 1: Bank after every fight, unless fortunate enough to have some skills (if needed) to stave off Bran the Warrior surprises.
Levels 2-4: I'll generally keep it on me (lately, especially) if I think I could successfully gamble at the DCT.
Level 5: Generally don't keep it on me (Silent Death is a cruel master).
Level 6: With Armor of Death, there's no reason NOT to keep it on you.
Level 7-9: Depends on if skills are available. If I have 200/1mil on level 9, I'm probably banking. If I have 200/1mil on level 8, I probably won't bank, unless by force of habit.
Level 10: Try to avoid it anyway. But, if I have to fight ther, instant-banking.
Level 11: Instant-banking.
Level 12: Instant-banking.
I have been getting rather spendthrift at the DCT the last two rounds. Just depends, though.
Of course, this comes with the mandatory disclaimer: I will bank immediately after every fight, no matter the circumstances, in red realm
. In blue and green, it's not necessary, unless someone kills you in violation of the rules, in which case, I has a sad.
Can someone direct me to the gambling odds? I know that number guessing game is terrible, but don't remember which of the other two has better odds.