Look, I right-clicked $1.2 million.
(Full disclosure, it took a little more than right-clicking to download that image. OpenSea apparently purposefully makes it hard to download images. Not terribly hard, though. Only took me a couple of minutes to figure out.)
It depends on your specific case, of course. That 0.4mm is indeed a good rule of thumb. But also, assuming you’re dealing with FFF-printed parts, generally if the two parts slide together along the layer lines, it’ll feel just a little looser than if they slide together perpendicular to layer lines. That’s just due to the ribbed texture inherent to FFF printing. Though printing at smaller layer heights will reduce that effect and also make the parts fit just a little looser over all.
Aside from that, probably the best advice I can give is: