There is always so much thought about Risk of ruin, but to me the answer is simple. Use 3-5% of your total br for your max bet. As you go through the ups and downs of play readjust accordingly(every shoe or so). You have maximized your EV with almost no risk of ruin on a small-moderate bankroll. The only negative I can see is it may take you awhile to come back if you really go on a losing streak, but you will have almost no shot of going bust.