It's not like that yet I was just saying its maybe 5 to 10%
Sorry I mis-read that, but yes you are on the right track. I look at the whole package clear cloudy and amber and then make the call. Sometimes I have gotten almost all cloudy with very little amber and chopped them and other times I have had quite a few amber and still some clears so it's personal preference and strain dependent.
You will see quite a few people harvest in stages taking the tops first and then giving the lower bud site a little more time to mature. I haven't personally done that because I take off the bottom 1/3 of the plant and my plants are only 3-4ft tall max so there isn't that much of a difference.
You may be over thinking it a little. Once you are at the point of them changing it's only like 10 days either way. When you're happy with the way they are chop them. After all they are your plants in your grow that you are going to consume.