Great question but really not easy to answer - there are a lot of variables here that TBC standard functionality does not address.
We recommend the use of our Point Cloud processor because that is selective about where it retains and where it eliminates points from the point clouds based on what the surface is doing in different areas of the project.
The challenge with the settings that you show is that it all depends on the size of the project and what the ground looks like on the project - if the site is small then you need less data than if the site is large and if the site is flat like a billiard table then you need less data than if the site has a lot of terrain variation - this is the fundamental challenge that we set out to solve with Point Cloud Processor command - in that you give it some tolerances to work with and it intelligently looks at the data and determines what it needs to represent the surface accurately.
See the posts on the forum about the command - hopefully you will see what I mean
Let me know if you need help with this, we can do a call to go over the question if you would like to do that - just let me know
Alan