Hey, thanks for the facepalm reaction, you're really letting everyone know how you appreciate any discourse on the matter, much less people who agree with you and try to add to the discussion instead of just saying "lol you right, other guy wrong". You are correct that there isn't much difference in when the denoiser kicks in, only that your previews for early denoising will look atrocious at low values in dark scenes.
But for your tone, I actually agree with the other guy now, just go out and get a better GPU, while simultaneously learning how to make scenes render faster.