You're most likely right Madman, numbers wise most guys will without a doubt do better with at least 100mg/ week. I'd say we really don't know if men on TRT would feel subjectively better on a lower dose due to most guys never trying a dose below 100mg/ week. We all pretty much start at 100mg and rarely do men try and go lower.
I think we would have to have more people trying lower dose and reporting their experience to say if it can subjectively work for a decent amount of guys or not. But like you said, at the end of the day everyone is extremely different and we all kind of have to figure out what works for us as individuals unfortunately.