Check out the last block & scroll about half way down, & check the fees associated with those transactions.

eg:

https://www.blockchain.com/btc/block/00000000000000000009fcb6f9931924f866140e90e819a6421ca5985dec292a

26 minutes after last block, so fees here are likely quite a bit higher than the norm for the day.

Anyway, this block explorer shows 5 transactions per page, so https://www.blockchain.com/btc/block/00000000000000000009fcb6f9931924f866140e90e819a6421ca5985dec292a?page=448 is the end.

Halfway through @ https://www.blockchain.com/btc/block/00000000000000000009fcb6f9931924f866140e90e819a6421ca5985dec292a?page=224 ;

31.595 sat/WU is fee paid.  So 31.5 should be fine, to send within the next couple of blocks.  Likely 15-20 is OK, if blocks start coming at typical pace (every 10 minutes).

Tons of places overpay bigtime.  But I think a lot of these are businesses doing payouts, so they don't want any delay.