I will be getting a flux pen anyway. But what % would you suggest included in the solder wire itself?
The more flux you have in the solder itself, the less likely you are to need to add any in a typical soldering job. If you are going to solder on bare copper a lot, such as tinning copper wires, use the highest-flux solder you can find so extra solder will add extra flux to help solder wick all the way through. If you are going to be soldering mostly on tinned copper or will be applying your own flux either way, you can skip flux in the solder wire altogether.
I have 3% rosin solder wire and practically never need flux for soldering unless the surface I am trying to solder to is in pretty bad shape - usually need to give it a good scraping first in those cases.