I've read lots of it but it's 110 pages and I have a job. I did some searching and didn't find the answer yet. If you don't want to answer the question that's fine but just realize that most people can't read all 110 pages of a thread.
From the WikiQ: How much money can you load onto a temporary RedBird card?
A: Maximum is $500 initial load, plus $1000 on a subsequent load. So, total is $1500. No more.
So, in a sense you are correct about having to make a few more trips to the store than probably necessary. I just loaded 2 temp cards this week and I've decided I will wait until the permanent cards come, to go back and load again.
It's probably best to do the bank transfer in any case. For me I may use a combination of both direct bill pay and bank transfer, since I have a few cards.