You are right. That is currently your sweet spot for the reset. Try not to pay too much attention to the %, just that number below the sentence “Increase speed of cash, hearts & skills by” get that as high as possible. When you get your Game Bonus in to the thousands that % number barely ever gets above 1%.
I always concentrated on doubling it. If I were at 100 I would make my reset goal 200. Then 400 and so on. It is always fun to see how fast your Skills increase once you have reached your goal.