Can't imagine you'd get set over setted 1/4 of the time. You might not win 100% of the time, but an underset is (and should be) expensive for you. I'd guess a flopped set on a decent board wins more like 85%-90% of the time. If you saw an overset 1/20th of the time, it would be sad. Would guess small/mid sets lose to straights and flushes much more often than to other pocket pairs.
The thing about smaller sets is that you tend to have a strong hand that is well hidden. You want action when you hit, and sets can play well out of position. This is where sets do well in games that are aggressive post flop. Connectors tend not to love this as much -- some of their draws are to gutshots and they don't like wild flop/turn action. This is where you see soft game advice for games that feature passive multiway action preflop.
If you have a set of 4's on a T
9
4
board, when the 8
hits the turn and you get action, you have some idea that proceeding carefully is good.
The rule of thumb I used to have was that I wanted to think I'd make ~10:1 on my preflop action to play pairs for sets. 13:1 is a bigger ask, but sure, wanting mulitway action to play hands for set value is the correct concept.
There is some danger in learning to play for sets in soft games. You get habits that you have to unlearn in tougher games. You're just not going to play 33 in EP or MP very often at 20/40+. If you're going to move up, you have to understand that it can be expensive to add in limping hands to your ranges and then find out that every time you try it in a 30 game you get isolated and then the guy who iso-raised you gets 3 bet. In tougher games, pairs get to showdown in heads up pots and starting with a pair gives you other options, you steal, play well post flop, and have a hand that starts with showdown value.