Ninety-five per cent coverage sounds excellent and is not enough
The gap between the number that sounds good and the number that lets you read.
Coverage is the share of words in a text you already know. Three thousand words gets you to about 95% in most European languages, and every course sells that number.
Do the arithmetic. Five per cent unknown means one word in twenty. That is a gap every line of print, and roughly one every ten seconds of speech. You are not reading. You are decoding with frequent interruptions.
The number where reading becomes comfortable is 98%, and the distance from 95 to 98 is not small: it takes eight to nine thousand word families instead of three thousand.
This is not a reason to give up. It is a reason to know where you are. There is a slider on the codex page that blacks out a sentence at whatever coverage you choose, so you can see what each number feels like instead of being told.