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I had 20% all around with a 5% 6" visor on the windshield on my last car for a couple years. I also live in New York, never had a problem with cops and even when pulled over for other things they wouldn't check my tints or say anything about them. This could be a different situation when driving an 86 though, as I'm sure it would be much more of a cop magnet than a family sedan...
I have heard that it's best to drive with your windows down if you're on a state parkway like southern state & northern state etc. because state police are much more strict than just regular Suffolk cops (This is Long Island of course, not sure where in NY you are).
As far as visibility, it can be difficult to back up at night if you're not comfortable with your surroundings. I've parallel parked hundreds of times in Brooklyn with 20% tints all around without a problem though. Some bright LED reverse lights always help too. When I get my 86 I will most likely be going with 20% all around again but since she'll be new and pretty I may invest in a back-up camera for added safety.
BTW, if you're looking for a good place to get them done, I got my last job done at underground tinting in bohemia, they did a great job and it was at a good price too. Once again I don't know if you're on LI, but if you are I recommend them!
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