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It is worth your time/money in combating disputes. Although the CB ratio is a hard line with VISA/MC, that can result in fines to the acquiring bank, the Retrieval Request ratios are not. Successful reversal of RR's will keep you from going over that hard line.
Obviously, a high number of RR's will make Risk Managers of banks and processors a bit nervous, but it certainly helps a great deal when you are consistently reversing the RR's to keep under the 2% level.
Unfortunately, when it comes to most adult membership (non-tangible), transactions, most issuing banks do not even issue a Retrieval Request, but simply issue a Charge Back, which does not allow the adult membership merchant a chance to dispute it.
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