Just to put it in perspective, take a look at this average level example:

Weapon: ArMatrix SB-45 (L)

Cost to buy: 112 PED including MU

Uses: 9665

Ammo per use: 1212

Total cost to fully use weapon Decay + Ammo: 1283 PED

Time to fully use: 3 hours to include breaks between uses

Cost per hour: 428PED

Loss per hour @ 90% = 42PED

Loss per hour @ 95% = 21PED

Loss per hour @ 99% = 4.3PED

Play 5 hours a day for 30 days = 150 hours

Monthly loss at 99% return = 150x4.3 = 645PED - $65 per month

Monthly loss at 95% return = 150x21 = 3150PED - $315 per month (apparently 95% is acceptable?????)

Above example is only weapon, armour and healing is additional. Also, its a very modest weapon and throughput.

So, the next time I hear somebody say 95% return is ok I will be wishing you horrific loss in future - as it appears to be what you want?