Agree with banana never financially plan for more than minimum. Looking to prove financials to someone for a loan of some kind? Best you can/should do is minimum.

However the chances of breaking minimum would 100% be on you, your availability and willingness to work. On reserve you’ll rarely credit more than minimum from reserve but depending on your schedule and time of the year/environmental factors there may be premium to pickup. Which is always above mmg. Once you’re a line holder it’s 100% on you. Work for straight pay and each 50-100% above mmg or take your chance with getting called for premium and working very little.