RE: 90% : I think it's fine to use 90% for anything other than 1 confirmation, but if you look at the real world data test I did, or the raw data from this new code, you'll see that even the highest fee rate transactions only get confirmed at about a 90% rate in 1 block, so that if you use that as your cut-off you will sometimes get no answer and sometimes get a very high fee rate and sometimes get a reasonable fee rate, it just depends because the data is too noisy. I think thats just because there is no good answer to that question. There is no fee you can put on your transaction to guarantee greater than 90% chance of getting confirmed in one block. I think 85% might be safe?
RE: tunable as command-line/bitcoin.conf: sounds good!
OK, sorry to have all this conversation on the dev list, maybe i'll turn this into an actual PR if we want to comment on the code?
I just wanted to see if it even made sense to make a PR for this or this isn't the way we wanted to go about it.