It's a personal preference for everyone.
Higher the coconut, higher the sf. Example is in salt bars with very high co. Some prefer co 25-30% with 5-8% sf...I can't do high co, so I choose below 20%. With it that low, I lower my sf to 3% give or take one point depending on what I'm in the mood for. Low co means less bubbly lather, so I lower it. Adding milks increases the sf, so I'll lower mine a percent.
Personally, I don't like 6-8% sf because it hinders my lather tremendously on my recipes.
Like I said, all personal preference and depends on what you soap with.