On days when I'm on the site at all, I have a bit of free time, so I tend to run out of rates eventually *g*- and so I don't like to use my rates on NSFW photos or on ripped ones, neither of which give either me or (general you) points. (I have a lot of rates but still manage to spend all of them eventually, so I'd like to be helpful with them, if that's not to give myself a little too much credit.)
(So I really don't do things just with the thought of accessing your secure-ultra-private folders in mind. Really. Sheesh. And who would open them to people they don't know and trust well... don't answer that question.)
