I do t4 with my alt smn and use buttons. If it really comes down to your accuracy not being up to par something is wrong with your team, with 435 I get by just fine. Yes using bane will reflect dmg to you, no it will not screw you over. I bane on all of them, you take rougly 1200 dmg which a sch fairy will heal you anyway or a regen so not a big deal. I would get the garuda ring and titan earrings anyway since BiS but it will not prevent you from doing t4.