Strategy for Tax Rate and $$$

I came across a couple of threads on setting the tax rate and spending rate; along with setting up the Mil/Social/Research slider. Thought I'd try it in a Gigantic galaxy with the AIs set to Normal for all 5.

I had initially set the spending at 100% and the Tax at about 55% which set my morale to just above 53. The three sliders below this was set to 60/20/20.

Someone had mention a setting of 75/25. What were those for? I'd have thought you'd want some kind of spending for each group.

During the game, I notice that I was not only cranking out the ships, but Research was doing quite fine. I was surprise to see stuff done in 2 to 4 months with Research set to 20. Is this generally the case? My main initial research goal was to hit Propulsion and try for Impulse and grab up to Universal Translator. I figure that I'd deal with weapons later.

Finally, at what point do I want to stop with the 100% spending because it is landing me into deficit spending and I don't have the resources to keep that up.

PS. I'm using a Tight star cluster set up for the map.

Any ideas?
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