It’s not hard, or particularly dangerous, to find your own pressure limits in your own system. You don’t need to (and maybe should not depend on) some random rule of thumb when you have the tools to do your own testing.
If you see any pressure signs, it’s too far (cratered or totally flattened or pierced primers, ejector marks on case heads, stiff bolt lift, significant web diameter growth, incipient head separation, etc.). Cratered or pierced primers is a bit complex, because an oversized firing pin hole can cause that too, but stiff bolt lift or case head marks are pretty darn reliable.
Work your charge up slowly, watch carefully for signs, and stop when you see them. No rules of thumb required, really; I offered the 10% as a general range, but I always load my ladders well above what the book says, then end up not firing some of the max loads because I see signs before getting to them. It’s much easier for me to break down overloaded rounds than it is to go home and load higher charges because I stopped too soon on my ladder work up.