Some bot HC exclusively.. Chest runs for gear. It's that easy.
Grind plvls on normal if you want to, or anything you can easily handle.. (risk>>>reward) doesn't apply to HC.. Chest runs = gear/crafting fodder, normal or t1 grinding rifts/bounties = plvls.. Death is not really smart.
My gauge is if I have to pot, even once, I'm over my head..
Hope this helps
peace