Honestly, sounds low. Technical debt is just like real debt: a useful tool to allow you to borrow against the future to get things done today, and an existential threat if not serviced before it gets out of hand. A tool that everyone else is using to the hilt and if you don't you'll be at a severe disadvantage. If it accumulates, it can sometimes be cleared down to a sustainable (and even useful) level through a painful multi-year process where no-one is having fun and you don't get to do many nice things you thing you should be able to.
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