The only reliable way I found to figure out memory on MacOS is to periodically check the color of the pressure in Activity Monitor. If it always stays green, there will not be a performance impact. If it changes to yellow some of the time, there might be one and if it's yellow a lot of the time you will probably experience slowdowns at some point. If it ever turns red, the Mac will probably already freeze intermittently and is not up to that workflow.
Swap space no longer seems to be a good indicator with recent MacOS versions. I have machines with little to no swap and yellow pressure and I have seen it stay in the green despite having many gigabytes of swap allocated.
I do not know what is meant by pressure percentage, I don't see a percentage number anywhere.