How much patience you give an ad set depends mostly on volume. Meta's guidance is roughly 50 optimization events in a week to exit learning, and big edits like budget jumps, new creative, or audience changes reset it. So the textbook answer is to leave it alone. But on a small budget, 50 conversions a week can take a month, and watching a loser burn cash that long hurts. People argue both ways. Some cut anything at double target CPA after a few days, others say that's exactly how you never leave learning.
My take: if you can realistically hit 50 events a week, wait it out. If you can't, consolidate into fewer ad sets so each one can actually learn. What's your cutoff before you touch one?