I have always purposely done anywhere between a 30 to40% overlap figuring that it's better to have too many than not enough. I remember one panorama where I had 8 images but only needed to use 6; of course I didn't know this until I got home (some 2,000 miles later).
I've always taken much more time in setting up the shots than what I actually took in taking them.
Follow Jack's advise, in the end does it really matter so long as you got the image you're after?
Don