The threshold cannot be determined until I am presented with a situation in which I have to make a decision. The question is too vague to give a concrete answer. There are just too many variables that factor into what is right and what is wrong for each individual.
As an example, yes, I drive over the speed limit. But that is dependent upon the cicumstance. If I am out in the middle of nowhere and the speed limit is 65, I may do 75. But if there is a policeman driving beside me, I go the speed limit. If I am in a residential neighborhood, I do the speed limit. If in a school zone, I try to do the speed limit. On the freeway and everyone else is doing 10 mph over, I will blend in and do the same.
I know this is concerning electrical stuff.... so present some scenarios to us. Then we can each give an account of what we would do. That would be fun!