[Walleyed]

Well....the answer is, "It depends...".

Personally, I try not to exceed 1/3 the line strength with the drag, meaning, if I have a reel that can reliably put out 20lbs of drag, I'll load it with 60lb line.

1) Have you actually measured the reel's drag on a scale with the spool filled with line? Manufacturers tend to exaggerate their products capabilities.

2) What are you planning on doing with the reel? If your chunking for striper, 30-40lb line is all you'd ever need.

I think it really has a lot to do with your target species and technique, not to mention, the reel size.

If you have a specific reel and application in mind, let us know, you'll get more valuable suggestions that way.