Maybe the combine threshold should be at 150 STK?
It is okay for me and wallets stay unfragmented.
Only "danger" if in future maybe less STK online and then blocktime slows down.
Or can you build in a reajustment function for less blocks online?
For safety and simple implementation keep it 100 STK imo, then you have a 3 day buffer.
btw did you get my email?