Perhaps you'll like three replies rather than a long one.   If you've been reinvesting then I'd wait until you know you'll have enough that if you powered down, or if you lived on just SBD rewards you'd be okay.  Plus, since it is in beta we don't know what will happen.   If they for example change the platform as you suggested in terms of payout you might suddenly actually be making less than you are now.   So making an important life decision around this platform while it is in beta is pretty risky. :)