I think 90% should be ok. In fact I personally tend to trust Honda's MM, I know there was member posting picture of worn cam and swear they followed MM, not that I don't believe them, it's just the sample size is too small for me to not believe Honda's MM, may be the previous OP had a lemon or something. I will change it as soon as it start displaying the "wrench" sign, which is 15%.
On the side I wish Honda make a new ridgeline, I may buy a new one if there's a facelift, and also please increase gas mileage, otherwise I will get a ford turbo...