I don't really know what number to put on it though.

Well, I guess it could vary a bit. Maybe in some cases, it could be 18%. I just wanted to set a number as a guideline, and I will probably make some decisions based on that number (but not only that, because that's not the only factor). But only up to 3% higher than the APR from curation rewards + interest seems not worth it in most cases, especially since interest accumulates for the delegation as well, and it benefits from RCs and the influence of curating.