One usually specifies the stimulation in terms of current (1 mA, for example). You want to deliver that with as little voltage as possible and because V=IR, that means minimizing the electrode resistance.
Minimizing voltage is good because the power delivered is proportional to V², and the power is what makes stimulation uncomfortable by heating/burning the skin (and I guess, the tissue below if you go really crazy). Most commercial systems have a voltage cut-off so they'll deliver (say) up to 2 mA but no more than 12 volts.
The good news is that gel and saline are both very cheap. I bought $50 worth of SIGNAGEL in 2015 and the lab has hardly made a dent in it. Do shop around though, because some "wellness" places mark it way up.