I don't wait until 95 or 100% voting power either. I just try to make sure it's below 80 every single night. I check my APR once a week and it's usually around 8-9% on average. The curation rewards do add up over time though.
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Your APR is good, that's where I hang around and my curation reward is decent. Yes, it adds up overtime and the interesting thing is that when it adds up, it even yields more potential Curation reward.