We've only had our system for 2 months, so haven't had a full year of experience.
Based on some forum comments, set our reserve to 40% - and found that with full day of sun, we were able to fully charge the PowerWalls. And since have lowered the reserve in several steps down to 20%, and after several days of full sun, back to having excess energy being sent back to the grid once our 4 PowerWalls are fully charged.
The setting you use could depend upon how many PowerWalls you have and how much energy you typically use in your house.
We don't have a solar "buyback" plan, so we're not getting any value out of energy sent back to the grid.
Overnight, our house tends to draw about 1KW for equipment running overnight (which excludes pool pumps, most lighting, HVAC, ...). With 4 PowerWalls, 20% reserve would provide us around 10 KWH of power, or enough to run our house for 10 hours with just basic devices running, shorter if we have air conditioning running.
Since we want to minimize how much energy we're sending back to the grid, we're willing to live with a minimum of 20% PowerWall charge.