I think it totally depends on the vehicle. How much airflow can get through the radiator in other ways like from beneath. How much airflow is even needed, some vehicles have a radiator that is more oversized and some don't. Also the type of driving you do, if you sit in traffic a lot you are going to need more cooling. I can block off nearly everything on mine and it hardly makes any difference in operating temps.
Best thing to do is just experiment like Frank said. If it gets too warm, cut some more open. Also keep some tape with you and try covering a little more and see how it goes.
BTW, where in Michigan are you?
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Winter daily driver, parked most days right now
Summer daily driver
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