This has been covered by me before. Yes, the stakes I'm playing at are above my bankroll (for max buyin play). That's not how I play and not how I feel comfortable. I am sure that I win more where I'm at than I would at the .10/.25 tables buying in for the same amount.
Further, I'm whoring it up at Interpoker. They offer no lower limits and over a couple thousand hands, I'm taking in around 5-10BB/100. I'm happy with that.