From routing node perspective: 100 sats is very reliable. 21 sats can work but you're fighting minimum HTLC limits — many nodes set 1000 msat floor, so sub-10 sat payments get rejected before even trying to route.
For your use case I'd stay at 100 sats. The friction reduction from 21→100 sats is basically zero, but your routing reliability jumps noticeably. People who'll pay to send an important email won't balk at 100 sats.
