Not an answer but an extended comment on your observations.
The situation you've described -- losing 2 rep points due to a downvote, with the downvote counting against the maximum possible daily rep total -- becomes even worse in the event of an "un-upvote", i.e., a reversal of a previous upvote -- even if the unupvote is quickly reversed.
Consider the following screenshot (from today's rep count):
Notice how the unupvote costs 10 rep points, not just 2 points. (In case anyone cares: The query in question was posted back in Nov. 2015. My answer was the only one that was provided, and up until today both the query and my answer had only ever attracted one upvote each. Not a "hot" posting, for sure!) Interestingly, within a minute after the unupvote occurred, somebody -- for all I know, the very same person who had just unupvoted my answer; who knows, maybe it was a fat-fingers problem all along -- upvoted the very same answer. Unfortunately, the net effect of these seemingly offsetting votes is that I'm stuck at a maximum of 205 points for today, not the 215 points I would have earned if the unupvote hadn't occurred. :-(