And that's fine, we can have different opinions on that part.
But "probably already short enough to brute force" is definitely not right. That percentage depends entirely on character set, not the length of your password. If your password is just numbers, then n-1 always has 10% as many combinations, whether your password is 5 characters long or 200. If you meant "probably already weak enough to brute force" that's not true either. Lots of passwords with mixed case and numbers and symbols are very short and pretty weak. Lots of passwords with only letters are very long and quite strong because they're made-up phrases. You can't guess the strength of a password just by knowing the percentage of [length n-1 combos] / [length n combos].