Regarding voting power: You are absolutely correct. You should never leave your account at 100% for too long. Pretend you have a ceramic bucket with a constant drip of liquid gold filling it up. As soon as the bucket is 100% full, the constant drip will overflow and the overflow will be vaporized out of existence. Meanwhile if you are consistently dispensing the gold before it gets 100% filled you are creating wealth. The voting power gold drip will refill the bucket once every 5 days.