What's the ideal growth settings?

I would like to know what you SQL experts recommend as the ideal SQL 2005 database growth settings are?

Should I just accept the default 10% or? Should I accept automatically growth at all (afraid that if performance will stop completely whilst database is growing), and if I don't is there a way where I can have an email warning when the database is required to be expanded?

Are there any difference from Navision version 4.0 SP3 or NAV 5.0?

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