I personally regret placing it at 20% to begin with, and we've been signaling 15% for about 9 months or so by now. Anything over 10% is still great in my opinion, and while I didn't take advantage of HBD aside from throwing some post rewards I made the past 6 months towards it, I'd definitely keep doing the same at 10% too, even at lower based on where the rest of the markets are at (if I'm taking profit on Hive or another coin).

That said I'm not entirely sure if these percentages are what's "right", so while we haven't changed our 15% in forever I've been reading a lot of discussions to check what other people think. There's been some good talks about it, ignoring the "witnesses don't want hive to grow cause they want all the power" idiocy, and while it hasn't made me change my mind about 15% yet it has surely made me reconsider lowering it and as you point out in this post to lower it a lot more in case we start seeing a reversal in the general crypto markets.