Dude, really?  Yeah, you might lose your entire stash if all you bothered to get was 50 nxt.  Are you a teenager?  Nxt is currently under 3 cents, and like you mentioned earlier, the fee is being lowered soon.  The only reason it wasn't done sooner is because it's been a technical challenge adding decimal places because, like I said, it was written from scratch, unlike Blackcoin.