My standard is 5 for Frosh and Sophomores. Adjust up if the Underclassman is a doofus(2.5 or less), no lower than five for the Forsh until after midterms, then readjust accordingly. Down to three for upperclassmen, with similar adjustments. Call me overly cautious, but I usually end up with spare minutes on a player by the time they are a senior anyway and I don't like having to deal with a player being inelligible, after it bit me once with an important player.
.