I don't have a teacher. That's why I am here, just checking to get a range of opinion. I'm a witch, not a Taoist, but the nervous system is the same. The sacral pump flexing is orgasmic for me and gives me sexual energy. Usually I send the energy up to my heart chakra and send it out, I don't store it. Occasionally I will ejaculate, but it is much harder to get rid of the chi energy that way, taking maybe seven or eight ejaculations.
My energy seems to be bouncing back now, I was able to have a heart chakra outpouring today.
As for mental and physical balance, hard to say. I am overweight and have a desk job and am sedentary but healthy, all things considered. Of course some people think the fact that I am so orgasmic automatically defines me as crazy. I suppose I don't much care if I am or not, as long as I stay functional; I am certainly very happy, I like this path.