Reload bonus worth it?

Every time I see a reload bonus offer, my first instinct is to grab it, but then I start second guessing because of the usual strings attached. Most of the time I play blackjack almost always live dealer, so those high wagering requirements can make things messy, especially if blackjack counts for less or nothing. It looks good up front - extra bankroll is hard to resist - but the fine print always gets me hesitating.

Crypto casinos are my thing and the reloads can stack up fast, but some of them feel like they’re just encouraging more risky bets to clear requirements. I've read some horror stories about getting stuck halfway and having to grind it out, only to end up losing more than if I hadn't touched the bonus. Curious how people are actually approaching these. What's the smartest way to evaluate if a reload bonus actually adds value, especially for table game players like us? Wondering if I'm overthinking the risk.