correct me if I"m wrong, but adding 10 knots to vref protects you to 30 degrees of bank (approx).
adding 20 knots to vref almost 45 degrees of bank.
I'll correct you....
Really? protects you? from what? an accelerated stall? I don't think so!! Please don't go around flying jets with such overly simplified rules of aerodynamics in your head.
if circling to 33, I would have a bit of a tailwind while starting my reversal over downtown, so this would be the steepest bank.
Yes...this is the point where you would die if following the above rules.