Stopping your wallet from staking just because the mag unit is low is a gamble at best. The base mag unit is actually 0.125, which means that it may well drop further.

My advice here would be to not try and game the system. It will be very stressful, takes a lot of work, and will likely result in a net gain of zero at best.

In you are still not convinced, remember that there is currently a 35% mag boost going. This translates directly into a 35% increased mint at a given mag unit. When that boost is removed at the next mandatory, the mag unit would have to increase from the current 0.15 to at least 0.225 to get a similar amount of GRC from an equivalent stake.

TL;DR Don't try to game the system - you will probably lose.