Two items:
1. A $20000 drawdown on a $100000 account with no leverage, is the equivalent of a 20 pip loss on $1000 in 100:1. Who trades with a 20 pip stop loss? Most folks would be familiar with a 35 - 40 pip stop loss, the equivalent of a $35000 to $45000 drawdown. If a 35 - 40 pip stop loss is okay in is not $20000 aceptable in 1:1?
2. Why is it that you insist on limiting the system together with time's unecessary parameter, forcing it to take losses for no reason other than it's the end of the year. That would be like forcing all traders to shut positions at 5pm EST each day than it's 5:00. That makes no sense.