In general, frogmen level out and swim at about 30’ to the target. If a ship was coming overhead in a harbor, you might dive down to 60’ until the ship passed by. But in general, 20-30 feet was the cruising depth on oxygen.
Oxygen becomes toxic at certain pressures. On 100% oxygen your safe depth is only about 40 ft to avoid oxygen toxicity. As you said it depends on the person.