I doubt it makes much sense to look for some bare minimum that's "fine" since there seems to be no upper limit on the pay off, and you can always stack the deck

I doubt it makes much sense to look for some bare minimum that's "fine" since there seems to be no upper limit on the pay off, and you can always stack the deck more in your favor. It's probably better to figure out any sort of incidental movement you can add to your life in a way that you enjoy.