That's kinda the deal anyway with down. One reason I prefer synthetics for fast/light trips is that I don't need to wait 1/2 hour before crawling in.
Overstuff won't really help that much, you still need to wait for the down to loft on it's own or with some good shakes and gentle pats to help it along.
Assuming all things are equal- if your bag wasn't fully filled to begin with (a mistake I have made in construction) then you need to solve that first. I do agree- a little extra is often worth it in this regard- but closer to 5-10% seems the better number. If you are buying a bag- the vendor has figured this out for you (and gone a little extra too) which is why most of us agree that many vendors have underrated their gear a bit.
That said- I may use 35% for MYOG to make it easy- but I know that most of that fluff is to fully fill the shell and cover my imprecise math. I think that is the case on most down products- you make a shell- take a guess- and adjust your OS variable until you are happy with it. Doing the math I see that the baffles deform much more than simple area x loft implies. So most of that OS% is simply fill in my experience.
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