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Overlapping Lightmaps and resolution

So on first Build I get an error saying my Lightmaps are overlapping 73%!!
Some googling watched this for a solution https://youtu.be/uCaaZF-Zo4c
Checking the UV in the Mesh Editor I see that the UV index is correctly defined as 1 but my Lightmap index is only 64. Also a visual inspection of the UV shows nothing overlapping.

So I increase the LM resolution to 1024, do a 2nd build and now get an error saying my Lightmaps are overlapping 4%.

Repeat a 3rd time with LM resolution to 2048 and get an error saying my Lightmaps are overlapping 2%.

My question is

Is 2% overlap acceptable or must it be 0% overlap?

and

How do you achieve 0% overlap without increasing the resolution to unacceptable values?