As a L40 player my goal is to max more pokemon and my long term goal is to build a team of 6, or maybe even 12 for each type, all maxed.
I used to have a 96% threshold to max pokemon but am slowly restricting that to 98% unless it is meta shaking (e.g. MM metagross or similar). Even then, I find that even for the not inconsiderable dust I accumulate I simply cannot keep up, as when I have dust to max a 98%, another relevant one will come up eventually.
For instance, I was maxing two 98% shadow ball mewtwos (from TM glitch) and a 98% gyarados. Then beldum day came along and I have 2 96% MM metagross. I thought, Ok.
Now, one of the mewtwos and one of the metagross are maxed. So I thought maybe its time to move to the other metagross and gyarados. BUT NO. Then I caught a 100% gastly which then I obviously evolved during gengar day and have a 100% lick gengar. With regards to keeping maxing projects down, I'm back to square one.
In this case is it best to wait for a lucky pokemon even if the IVs dont meet my imposed thresholds? You essentially get a buy one get one free for powering up. Then I can actually sit back and accumulate dust to prepare for whatever relevant pokemon gen 4 will bring.