I don't think I've ever gone below 80...once I saved at 60 just to see if I could notice a difference, and the only place I noticed anything was in the sky...where the gradation should have been smooth, but was choppy instead...
Are you using a 2:3 format? Normally at like 640x440 or 640x400, I don't have a problem -- I could see if you were using like 640x600 or something, and had A LOT of detail, but for the most part, I don't find it a problem making my images come in under the 150kb point.
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