Cardio in my mind is a health issue. I haven't done any cardio in 8 months. I maintain under 10% by lifting, I just started cardio again this week. Not to cut fat but to keep healthy, my RHR used to be 42 now it's in the high 50's and 60's. So I say do 3x a week of light intensity cardio for the dual benefit of fat loss and health.
JMO