As with most things in life, that point will differ from person to person. It will also vary, at least for those with some intelligence, based on the relationship between the risk of punishment, the severity of punishment, and the egregiousness of the law. Other factors can enter into it too. I know that both my age and five years of working "in population" in prisons have made me more risk averse in that regard that I might have been thirty odd years ago.
There are, of course, some laws which can be broken by individuals with relative impunity, as long as they are broken quietly. But to claim that is civil disobedience would be absurd. The one act is altruistic, the other totally self-serving.