BRM is only applicable to folks who need it. I need to keep it in mind at all times. I have a fixed, small income, and will for the rest of my life. It covers the basics, but not much more. I am determined to NOT deposit at any site, ever again. I have to keep BRM in mind. However, 100x is a no go. I understand variance and my ability to deal with it. I won't go to 50% of my br on any single game, but if I felt good I might go play a game with 25%.
That 100x thing is more associated with ring games than tourney's.
However, If something happens, like I win the lotto, you can be sure BRM will not play a big part (if any at all) in my poker decisions.