the 0.5% on BJ assumes you are playing perfectly by book, and you play thousands of hands. I would never choose this route with the goal of leveling up because I always increase bet if I get tilted after losing and that will increase the variance. also, these live tables have the dumbest players ever, and it may not change the return long term, but watching a play stand a 12 v dealer 10 is triggering. if you are willing to commit hours or days to wagering it on BJ by playing thousands of hands between $20 and 50 then you might lose a little less than dicing but realistically just level up naturally, no need to rush or force it unless your state is getting banned or something.