I think it's like horsepower in a sense, that the higher you go up the more you need to spend for only a 2-3% performance increase. ie: Adding 50hp to a 130hp car is a huge difference, but 100hp added to a 500hp car wouldn't be nearly as noticeable. So it's just deciding what's good enough for your own application and finances. If you feel you're really going to use that extra few % for a few thousand dollars, then by all means enjoy it. Or, you may decide that saving your money and living with 97% of the possible performance is a better choice.
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