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tokens: ACKNOWLEDGEMENTS We thank the referee for their useful comments that have gone a long way to improving this manuscript. DK thanks Maria Petropoulou for informative discussions regarding pair processes. RMTC also thanks Javier Garcia for useful discussions. This research has made use of ISIS functions provided by ECAP/Remeis observatory and MIT ( http://www.sternwarte.uni-erlangen.de/ISIS/ ), and data obtained from the High Energy Astrophysics Science Archive Research Center (HEASARC), provided by NASA's Goddard Space Flight Center. This paper has made use of up-to-date SMARTS optical/near-infrared light curves that are available at www.astro.yale.edu/smarts/xrb/home.php . The Yale SMARTS XRB team is supported by NSF grants 0407063 and 070707 to Charles Bailyn. RMTC is thankful for support from NOVA (Dutch Research School for Astronomy), and acknowledges funding from NASA (National Aeronautics and Space Administration) grant no. 80NSSC177K0515. CC acknowledges support from the Netherlands Organisation for Scientific Research (NWO), grant no. 614.001.209. SM, DK, and ML acknowledge support from NWO VICI grant no. 639.043.513. VG is supported through the Margarete von Wrangell fellowship by the ESF and the Ministry of Science, Research and the Arts Baden-Württemberg.