The term "downvote" could almost be replaced with "recycle" and it might make the term a little more bearable for some.

I think there is a point to that term, front ends could apply that easily.

I've only ever had two posts above the $20 threshold, so I'm a little concerned

The threshold is 20 STEEM, so about 3.4 USD, so a bit easier to reach than 20 USD :D

Building something of value takes time and investment anyway.

Oh yes, blood sweat, tears, and most importantly FUD.