i heard that 140% unarmed is more than enough.. is it true?
I can't remember it's -20% or -30% for eyes in HtH combat.
So if target has 40 AC, add 30 to it = 70.
70+95=165%.
or 155%, if accuracy penalty for HtH to eyes is 20%, but I think 20% is too low.
So if you want to have 95% to eyes to high AC players, you need ~160%.
If you want to make not aimed attacks, then 95%+40%=135% is enough.