We just published a new post that provides some of the foundation required to understand the implications of our recent VP Management design changes. It hopefully answers your first question (your account can have up to 1/3 of its pending balance delivered on any post).
To answer your second question, there is no need to consolidate the voting accounts. While it would help with the randomness, that's a temporary problem. Consolidation would result in more permanent problems down the road, if HIVE prices ever recover.
We will go deeper into the implications of VP management in our next updates, and share our attempt to guess when things will normalize.
Ok I'll hang in there to see what happens. It sure was a disappointment to see my post earn so little though, I gotta say. At my level of rewards per post, that was a heavy hit, like a hefty 100% downvote from someone actually.
The difference between a smaller upvote and a 100% downvote is pretty profound.
In the case of a smaller Hive SBI upvote, the 'missing' amount remains in your pending balance, and you will receive it on future posts. In the case of a 100% downvote, the lost value is gone forever.
You might notice the Hive SBI accounts are subject to the same voting rules, and the 'self-vote' on the latest update came in at $0.15 instead of a more typical $4. We see you, we feel you, and we're working on it.