Mind you, my example was in an enterprise environment with MANY users. I guess it could be argued if you’re doing WORM workload, that you wouldn’t experience much degredation at all & that I’m still following old recommendations that aren’t relevant to SOHO use… But given that your setup is pretty beefy, I also not certain that SOHO is your use case?
Additional reading; you could be fine… But would I ever recommend someone to actually hit 95% full? No.
