While I'm aware that a component can never "fully" charge or discharge to 100%, one textbook I'm using (Practical Electronics - 6th Edition, Sinclair, Dunton) says that we can assume a component has reached roughly its full practical potential after 4 time constants. Another source (allaboutcircuits.com) says that it takes 5 time constants for a component to reach its potential.
I understand that 4 time constants equal roughly 98% of capacity and 5 time constants equal roughly 99% due to 63% of value being added every time constant, but one is telling me to assume component has completed charge after 4, another tells me 5. This makes it confusing when calculating time for component to reach its capacity (difference of 25%).
Which is right?