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20 buy-ins from this month's peak at the end of last week:

As you can see, I can't win without showdown, by going to showdown, or by getting all-in with the best hand. I'm running 8-buy-ins below all-in EV, I'd estimate 2-3 buy-ins lost from spurious, possibly tilty, play, and the rest from either coolers or correct folds after building a pot.
HM graphing isn't perfect for this month, because the tables switched from Dollars to Euros, but I was about £2k up at the start of that chart, and 20 buy-ins at a‚¬600 is approximately -£12k at the trough. I'm £4k down for this month and on track for my first ever losing month. I'll be pleased if i can recover jsut that £4k over the next week, just to get the month in the black, and because Jan was so good that (£21k+£0)/2 would still be over £10k/month, comparable with usual winrate.
I think that this post is probably a good lesson in why we use bankroll-management, and a good example of possible results for anyone considering taking poker up full-time!
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