The formula for total growth is dM/dt = dM/dt_evap + dM/dt_accr. So it simplifies things to focus on one side of the equation. But I make no bones that assuming of the failure of Hawking radiation is ad hoc goes against the mainstream thinking in quantum mechanics, requiring as it does the existence of some sort of heretofore unknown persistence mechanism. Meanwhile, I'm still working on the Hawking radiation part. I would like to come up with a real mathematical model that showed both parts. I also just received an email from Ben Harms. He said that they are working on a revised version of the paper that will even more tightly constrain 5-D mBH evaporation and accretion.