forum 7: week of 27 Feb - pragmatic encroachment

Generally, I don't have a problem with any of the claims or #3 in particular; however, the reductio argument used by Fantl & McGrath to arrive at (3) confused me, but on a purely pragmatic level and only in DeRose's Bank examples (p. 564, paragraphs 2 and 3) they used to explain it. In my interpretation, option O (in case A) is "waiting until tomorrow to deposit the check instead of going in and double-checking whether the bank is open". The authors claim that "he will know that going in to check further will have a worse outcome". I realize the low stakes of case A, but it escapes me why improving one's epistemic position concerning the bank's hours is ever a worse option. Perhaps it is not important in this particular situation (hence the low stakes), and maybe it will take up a couple of minutes of the individual's time, and maybe the clerk will be rude or the hours sign will be unintelligible; but overall, knowing the hours will maybe save this person from attempting the bank line-up some Friday nights in the future! I agree with the authors that you are still, in fact, justified in doing O; but I don't think the other option is objectively worse.