And this is where the saying of the superhost in "Whale Hunt in the Desert" comes into play -- "eat like birds and shit like bears." There are a lot of players who value putting a slash in the "Win" column, as if accumulating wins in 80% of sessions actually means something. It doesn't, unless you've made a bet about how many sessions you can win. What matters is the cumulative bottom line.

I didn't ignore risk of ruin -- I just point out that "banking a win" doesn't affect it, unless you decide to never play again. Otherwise, ongoing risk of ruin just picks up where you left off when you stopped.