OK, I've thought about it @therealwolf, I don't think you can look at it from a risk perspective because risk is relative.
So for instance you might have a net worth of a couple of hundred thousand dollars, so for you to lock up say $30,000 into Steemit for 13 weeks is not as risky as somebody whose networth is $10,000 and is locking up $2,000.
However effort is not relative here, if I take a couple of days to prepare and publish an article, or even if I take one hour to do so, that effort stays the same no matter how much or little time I have. Whereas a button click, or a couple of hours setting up an autovoter, will always take less effort than the articles it's voting for.
So yes, I still think that way, I thought that way when I had over $200,000 of Steem, and I think that way now when I have less than $1000 worth.