In my youth, when actually hitting my rep cap was not an unusual event, I was unruffled by missing a cap by one or three points. Now, however, hitting my cap is a rare event, and a dilemma has presented itself.
When I do hit my cap but don't have an answer accepted, a single downvote on my part will put me under. It doesn't seem to matter if I have 22 upvotes or more. I did ask about this once and the answer was
You did it to yourself.
This seems like it would discourage someone from doing their duty to down vote (as oppose to delete vote) bad answers when spotted or working the queue. Since I don't know when a mediocre answer will be mysteriously and repeatedly upvoted, I feel a bit ruffled when the downvote or two or three prevents me from adding another 200 rep day towards a pretty limited legendary badge (issued twice on EL&U).
It's happened often enough (honest, it has) to matter. The rep is not a big deal, but it would be nice both work the queues and to earn that legendary badge if
I just didn't do it to myself.
(I see this has been asked, but I still don't understand the reasoning behind it.)
Should this be addressed? I'm sure I'm not alone.
[Edited to add] This could easily be solved by not downvoting, or carefully selecting times to downvote, but this seems a bit contrived (I don't keep a mental list of what questions or answers should get a downvote). I can delete bad answers instead of downvote them, but that doesn't help the site. I think the SE model has an expectation of me to downvote bad answers. This was made even clearer by this mod comment (Deleting posts for users doesn't teach them anything. They get given rep (get given it back) and don't have to ask where it came from.) to this recent upvoted answer (The remedy for a wrong answer is downvoting, not deletion.) While, sure, I would like to earn a badge, my main point is that the rep system has built into itself a disincentive to downvote appropriately.
12/19 Edited to add: @Matt Эллен has looked into this and has graciously and patiently explained that only the downvoting that occurs after reaching the 200 rep cap is deducted from the cap, but that regardless of how much a user would have scored from up votes, downvoting afterwards is deducted from 200. If the user down voted before reaching 200, they will still reach 200.
That seems to clear up most of the problem for me, which is to continue to vote responsibly as I go along. Though I certainly can't predict when a question I've answered will hit the multicollider, it's not instantaneous, and sufficiently narrows down the time frame when downvotes might affect the rep cap.
Many Thanks to @Matt Эллен for clearing this up!