Honestly I've been building up slowly from the faucets and earn sites to the point I have about .4 BTC that I'm now investing, and I've yet to pay more than .0005 when I moved the coins around, then again using Electrum I have some input in what I pay for the fee.
Same for Bitcoin-Qt. I set the base fee payment to 25000 satoshi (or
BTC0,00025) per transaction, and the client warns me if a larger fee (usually
BTC0,0005) is required.