A .03" (12%) stepover with a 1/4" ball will give you a .0009" scallop height. 8% stepover would be .0004" I always ask myself how much do I want to sand vs. how much longer do I want the machine to run. After which, I will still need to do some sanding.
I made up some sample boards of different types of wood, grain direction, and stepover variations with all my ball endmills. It helps to have a visual reference and a fingernail test instead of relying on the simulation in CAM. I’ve been able to cut way down on the re-runs and waste.