The reason everything you read is different is because there are many different answers. It truly is different for everyone. As far as I know, trial and error is the only way to figure out what really works best for you.
There are lots of other threads where folks have shared their thoughts that could be helpful to you, just use the search tab and see if you can hit on some of them. The people here do all different percentages but I think everyone will agree that it's a pretty individual decision. When you get it, you will know. Good luck!
And now that you don't have to be perfect, you can be good.