For most people, exercise is about health and about being functional in their life. If you have a baseline level of fitness and an exercise habit that supports it, it is OK to plateau at that level and just live your healthy life.
Much better to start with a lot more than the minimum so you have a decent safety margin (and lifelong habits that will keep you healthy for as long as possible).
Most people would be better off lifting a 10 lb weight 50 times instead of lifting a 50 lb weight 10 times. High weight, low reps is a great way to injure yourself if you're like 99% of people out there.
And 10 reps is not low reps either. It's on the upper end of what people usually use in their workouts.