>>27806837>>27806875That is enough to work for most people, but some people are paranoid.
Awhile back I remember someone posting about how they had old mythicals in the bank, and got sent to prison for two years. Their bank got scrapped since they couldn't renew the subcription.
It won't happen to 99% of PokeBank users, but it will happen to someone. Maybe they get in a car crash, or get shot in the head, and wind up in a coma for half a year.
Rebuilding a Living Dex, whether or not you follow additional, personal, arbitrary rules would be a pain in the ass. Especially if 20 IQ points got blown out of your skull.