0.01/0.02
Yeah, I think .10/.20 blinds is a safe stake for you with or without a reload.
But if you are really a beginner, then the lowest stake is good for you at this time.
Play at the lowest level until you've demonstrated you can beat it for a decent win rate. Until you've done that, there's no reason to think you can be competitive even one level higher, so whether you have enough BR to play higher is basically irrelevant.