unlike core that bypass node consensus. bu and other dynamic and >1mb blocks wont make blocks over 1mb unless they have both node and pool consensus.

dont start thinking they are gonna make a 4 or 8mb block instantly .. thats more reddit fud drama creating false narative
they will start slow like 1.000250 and test the water for issues (like the 500kb level db issue core had in 2013) , orphan risk and timing to propagate.. and slowly increase increments when demed safe and it actually forms blockheight

logically and naturally.
which if the block does not get accepted its not "losing 12.5" .. its just not winning /gaining 12.5..

you only gain 12.5btc after 100 confirms. so you cant really risk losing 12.5 unless you had it in the first place