Well, as it turns out, I misread your first post and was speaking to the issue of not cleaning the rotors at all, or perhaps giving them the most cursory wipe. Apparently you are speaking of cleaning them, but not necessarily thoroughly.
The 5% figure was in the vein of “how do you know the effectiveness won’t be as little as 5%?” rather than a contention that it would definitely be that low. I perceived (erroneously) a suggestion that one needn’t bother cleaning the rotors, the brakes will still work 97% as well, and was quite fearful they wouldn’t. I envisioned a pad getting significantly contaminated, which is certainly possible if the rotor is not cleaned at all. Knowing how squirrelly brakes can be with contaminated linings, I was, well, alarmed. Hence my alarmist tone.
Since you apparently have done just what you speak of, I will bow to your experience in the matter. I have never installed rotors that were not thoroughly clean and dry.
I will caution, however, that degree of contamination and the specific contaminant can vary with each situation, and it would be unwise to assume that the results will be the same in each case.