Honest question to somebody who seems to have a bit of knowledge about this in the real world: several (German, if relevant) providers default to a TTL of ~4 hours. Lovely if everything is more or less finally set up, but usually our first step is to decrease pretty much everything down to 60 seconds so we can change things around in emergencies.
Lower TTLs is cheap insurance so you can move hostnames around.
However, you should understand that not ALL clients will respect those TTLs. There are resolvers that may minimum TTL threshold where IF TTL < Threshold, TTL == Threshold, Common with some ISPs, and also, there may be cases where browsers and operating systems will ignore TTLs or fudge them.
From experience, 90%+ of traffic will respect your TTLs or something close. So on average, it definitely does make a difference. There's always going to be a long tail of straglers though.
Personally, my default for names that are likely to change often is 5 minutes, but 1 minute is ok, but might drive a lot more DNS traffic.
On average, does this really matter/make sense?