You understand that the percentage depends on the complexity of the network, and the more it is, the less, because coins are increasingly being stacked. Yesterday, if my memory serves me, it was about 2%, something. But the most important thing is that in order to plant coins it is not necessary to have a minimum amount, as well as your coins with you, and not with someone else.
Come in, there we can discuss this in more detail.
https://discord.gg/MdGBRhJ