I get the reason why your typical grinder wants to buyin for the maximum allowed. You're artificially limiting your potential by sitting with less in front of you.
But what I don't get is why turning OFF the auto-topup feature marks you out to be a fish (it's one of the five non-HUD attributes of a fish in poker coach Blackrain69 list - not linking his youtube but no doubt you'll have seen his channel if you've ever looked up poker on google).
AFAIR the sites/skins I have used to date have auto-topup/reload turned ON as default for cash games. So you have to manually turn it off. Would a fish choose to do this?
Okay, so why do I do this? It's simple - it saves me money! Let's be clear - I will top up when I go below 100bb (or whatever the max is), but I will not topup 1bb!
Why, you ask? It is bad for my bankroll!!! So, the first site I ever used when I noticed this, was Grosvenor - an iPoker skin - and for this skin my account was in GBP(Β£) but the cash tables are EURO(β¬). When they convert to/from currency, they use a set exchange rate - but, they round to the nearest that's favourable to THEM - and whilst 1 cent might seem like nothing, when you are playing NL2 you are paying double each time you take that 1bb auto topup! Go under 100bb to 99.5bb, that 1 cent topup just cost me 2 cents.
So I would try to wait, maybe I steal the blinds before the next tine I post, and I'm back above 100bb. I'll topup if and when I drop, say 10bb, or at a point when either I'm not losing out on the currency exchange, or when the extra 1 cent is not 50% (even 20%!) on the value!
So that's why I do not auto topup. And, until I saw the Blackrain list of 5 things that mark a fish in online poker 1023, I considered anyone who didn't turn off auto topup, to be a fish! Weird.