Most digital scopes use an 8-bit ADC. So straight off the bat your best estimate will have a 0.5% error.I believe you are more or less engaging in Reductio ad absurdum
We teach students RC time constant and exponential decay.
Charging
Discharging
Hence we want them to find the 1/e point on the curve, or (1-1/e) as the case may be. Hence 63% or 37%.
If they can do this to within 5% that is good enough for me. Our resistors are typically 5% tolerance and capacitors 20% in any case.