If you "bid to win and deal with the consequences later", isn't that just another way of saying you'll bid above your pre-determined max if you feel you have to in order to win an item? If so, the BP has nothing at all to do with it. You'd bid above your "max" in an eBay auction as well it sounds like. If you don't care how much you spend, there's no point in blaming the BP.
I don't think there's anything wrong with bidding to win at any cost for certain items. That being said, it's weird to blame anyone but yourself when you get the invoice.
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