Embedding vs linking

[Big_Cat_Public_Safety_Act (Why would a 300 kg wild predator be satisfied living inside a cage?)]

In my Users collection, each document represents a user of my app. Each user may create up to N sets of filters. Each set of filter forms a document up to 10 kb.

Suppose that N = 100, would embedding be preferred?

…

At N = what would linking be preferred, roughly speaking?