Agree with all that it is relative to your ability and setup. For handgun for most people, practical accuracy can be checked at 20yds regardless of your ability.
To exaggerate a bit: If the shooter is only capable of 10" groups at that range with a known--to-be-accurate load/pistol combination, then if you're getting 12" groups with a different load/pistol then that tells you just as much as when a 2" group shooter gets 4" groups. You need a baseline to compare to if you're checking practical accuracy. And you need to be consistent enough and shoot enough 10-shot groups to get a meaningful average.
On the other hand, the only way to check mechanical accuracy with with a machine rest, and you can do it at 20yds. But that's probably not what you're interested in.