I don't disagree with 95% it's definitely a magic formula. What I did was do my focused study where I would sit down and do flashcards etc in the 95% format and then for hours a day after the focused study side of things was taken care of I'd dive into completely unstructured learning. That's been my go to ever since.
Also, I suppose I should clarify a little around target to native. I tried that a couple of times. Maybe even 3 times seriously. Intellectually I always came to the conclusion that if you can pull off doing pure output in native to target over a wide enough range of sentences then the whole structure of the language will crystalize really fast. I could never make the emotional side of it work. It always felt too grindy for me and I had to overextend on spending effort against that one task and couldn't sustain it. So I'd just slide back to my tried and true method because tough as they were I could always make the emotional side of that sustainable.
I think it's actually a critically important point. I love it the idea of it as a method and if the emotions of it are workable then it's probably an epic path.