This question comes up a lot, and I usually see things like "I wont go below 80." I decided to check out my 2 squads I have been building for 4+ years.
One team is 97-64, One starter (VR) 64, the other 100.
My other squad is 52-37. Starter VR has a PC of 67, VL 48.
That second team, has what I consider the best rotation in the world, and they are not impacted by the low PC. Era's of starters: 3.29, 3.01, 3.36, 2.90, 3.36