I never let it go below 1/4. I do not know when it might cut me off for whatever reason. Gas stations (they sell diesel too, weird), close during prayer times here, so more than once I wanted to refill too late but couldn't (and I was like &##@%^#*). My car is old and I feel like the fuel tank has some rubbish at the bottom. That worries me thinking low gas level would push those up and kill the gas filter faster (just my imagination probably).
Anyways, gas is dirt cheap here. No much worries of filling any time.