Just because somebody has a 40% doesn't mean that can fly it well. All it means is that they can AFFORD it.

I see people all the time that have 25%, 30%, 35%, 40% and they can't torgue roll, hover, waterfall, harriers, barely knife edge, rolling circles, etc.

Can they fly, yes.
Can they afford it? Apparently so, they have them.
Can I afford a 40% no.