On a rainy day that drops closer to 20%.
As an aside - cloudy days avoid a problem I have with shade. In winter, at 3:30pm, the sun goes behind a tree and my production plummets to near zero. If there's cloud cover the sunlight is far more dispersed and there's no "shade".
And you’re still able to power your entire home? What if the rain lasts for a few days, which is pretty common in many places.
I did have one rainy day back in the middle of Winter that was 16% but that will end up being literally the worst day of the year.