My prediction - 20% (minimum) of true Hillary supporters will vote McCain with Palin on the ticket.
That would roughly equate to an immeidate 5% of the electorate shifting to the McCain column vs. Obama at the ballot box.
5% is a big problem for Obama to overcome with the current polling data.
I've spent most of the day going to various Hillary supporters' blogs and reading comments.
Your estimate is low, very low, if the bloggers are any indication, and I believe they are.