When I'm working on a site I do cash out when I have gotten today minimum cash out amount with this I'll be able to cash out my money.Just as you said above, if I joined a site new I will like to cashout at the minimum withdrawal. I will do some good number of cashouts first before starting to accumulate it or upgrade if need be. But I think it is not advisable for one to accumulate so much as anything can happen to a website any time, either being hacked, cannot pay any more, or even turning to scam. That is my take.