PC Tailor said it. I would do 80-20 too.
However, I have one Samsung SATA SSD and the default amount Samsung Magician set aside free which they call Over Provisioning is 10%. User can change it, but it's between 1-10 percent.
This means 10% is enough too, but for this drive. Not sure if that's how Samsung Magician does it on all Samsung drives. Generally I think sticking to a 80% used 20% free arrangement is efficient.