[kindling]

With your current bankroll, I don't know if it will matter much. You're better off focusing on your game (whichever you want to play) and building your bankroll so you can play higher. I've been playing NL100 FR, and have no problems accumulating enough VPPs to make Silver, even with very few hours per month. When I can actually get the hours in, I've made Gold.

For what it's worth, I never even made Silver when I used to play SNGs for similar hours, with a similar bankroll. I haven't done the math, but bankroll considerations might be in your favor with FRNL vs SNGs. With SNG's, you want to have 100 BuyIns to keep your Risk of Ruin down. Conventional wisdom says 20 BuyIns for FRNL, so you might already be over your head at 10NL. Of course, with SNGs it's more predictable exactly how many FPPs you get with each tourney.