For all the DeFi users, what, in your opinion, is the ideal Health Factor (HF)/Borrow Limit (BL) for your operations?

I tend to favor a more conservative approach, properly mitigating my risks so I can sleep well at night and will hardly let my borrow limit surpass 50% (HF=2), ideally keeping it at around 33% (HF=3).

A 100% BL would mean liquidation of 50% of my collateral.

I have seen people going with up to 89%, which I find extremely risky, but it will also depend on what type of collateral you are using and what kind of assets you are borrowing.

So, I want to hear from you. What is your usual strategy here?