There is absolutely no point in making less money than you are able to unless there are other incentives in play.
If program A carries over negatives and program B doesn’t, I am with program B unless program A offers me something special that makes me loyal to them.
For instance, I would prefer a poker program that pays a lower percentage but does not allow rake back to one that offers a higher comission but lets other affiliates steal my players. Here, what initially seems like a better deal, is not in reality.
We are all in business here, and we all want to make as much money as we can. I do promote several programs that carry over negatives, but I am prepared to immediately drop them should I have a carry over that kills my income in the following month.
No point throwing money into a dark hole.