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I don't see that anyone is claiming a perfect generic number at this point. It depends on your drivers, higher skilled can stand lower income factors before loosing you money etc.
Best suggestion seems to be to be flexible with it and adjust it regularly (good use of console), run for a few game time days and judge, adjust, wash and repeat.
unless you find them realistic, i've had them turned of for soo long i have no idea what the current fines are.