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As far as I understand, you need to keep some XRP in reserve for each trust line and for each open offer.
Does that apply only for outgoing trust, or for incoming trust too?
In the latter case, what does it happen if you try to trust someone who doesn't have enough XRPs?
And, are you somehow notified you have exhausted your XRPs, or you have to manually check somehow?
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The Ripple account reserves are documented on the Ripple wiki.
The trust line reserves are only for trust that you set. Others cannot cause your reserves to increase by adding a trust line to you.
The client warns you when you are bellow twice your current XRP reserve limit by placing a warning symbol beside your XRP summary (located at the top right of the client). Wheather the warning is shown or not, hovering the pointer over the XRP summary will provide a "tool tip" with the current reserve requirements.*
If an action would put you under the reserve requirements (such as sending too much XRP, creating a trade offer, setting a new trust line) the action is refused with an error. When below the reserve requirements you can still do other transactions so long as you have enough XRP to pay the 0.000010 XRP transaction fee.
It began complaining I needed to have 400XRP reserves, but the tooltip (both before and now) said "reserve: 100XRP". Is that because of that bug, it assumes 100 extra + 300 base? – o0'. – 2013-05-04T20:48:11.007
2@Lohoris I'd guess the 400 you saw was just the 50XRP account reserve (8x too high). Sadly until they fix the client bug it's best to calculate the reserve your self. As per the wiki: 50 + (#outgoing_trust + #trade_offers)*12.5. E.g. with two lines of trust and one trade offer it would be 87.5 XRP. – dchapes – 2013-05-04T20:53:00.973