With 5% coins to distribute we have 5 Mille/12 >= 400.000 coins to distribute each month.
If we aim for 100 participants at the beginning for the universal dividend with 10 coins per day we have 30*100 * 10 = 30.000 coins per month.
This would be less then 10% of the demurrage. Therefore currently i would not aim for less than 10 coins per day to start with, so that we distribute a significant amount of the demurraged coins per month.