Right now I am building a bank roll.
So really you're asking for future reference? I'd say keep doing what you're doing while it's working and you're building your roll. After you have enough to where you can sit with max or a buy in comparable to the rest of the table while taking maybe 2%-5% of your BR, then worry about bringing the max.
I think about this stuff a lot, and at FTP where the least you can take to a table is $2 for 5c/10c for NL and PL games, I'm figuring that to even short stack "safely", I need at least $200 total to cover downswings + days when I'm not playing my best. I'd much prefer to take just 1%-3% to a table than 5%, and yet I see people saying they want to take 10%. The way I figure it, taking 10% of your br to the table at a time only affords you 9 losing sessions before you're going broke, cuz once you move up it kinda bruises your pride a bit to drop in levels or buy in ammount.
I feel like if you only have $50 or less, you have to decide for yourself what you'd prefer. Personally I'd rather get the most play for my buck, and short stacking + cheap sng's are the way to go in that regard. Even $100 doesn't go very far once you consider things like rake and tournament fees, and that's not even counting losing sessions.
I believe the max buy-in for 5c/10c is $10, so until $10 is around 3% of my br, I'll gladly take my lumps as a short stack. Furthermore I've yet to see a max buy-in for limit hold em. Even at the tiniest table it's in the thousands of dollars, imho it's nuts to take thousands to such a little table, unless you just want to show off.
Having said all that, I'm sick of spinning my wheels, so the next time I have even a little loot(Chris Ferguson Challenge), I'm breaking Fergie's rules, and just taking a chance, for the fun of it.