How best to represent holding back/committing reserves?

[Chris Pringle]

Wow – that was popular! A big thank you to the dozens and dozens of you who provided such thoughtful and interesting replies, here and elsewhere. I have done my best to respond to everyone's comments with a (long) summary update to the original post:
http://bloodybigbattles.blogspot.com/2022/12/on-rules-for-committing-reserves.html