True, but that's if. "If" you stay under the radar and "if" the account doesn't get into trouble, you can exist for a long time with multiples. But we've already been there as I recall.
But as long as we're in the "if" territory, what is likely to happen if you change your bank information at paypal just before (matter of hours anyway) you initiate a transfer to your bank account--in this case savings? Do you expect no problems with that or do you tend to stay away from same day changes-transfers? Can you track back to a time when you were limited that might be related to such a change?
| 
