Vs
> 0.1c
Off by quite a bit
Up to 0.1c is from the interstellar spaceship competition "cruise" speeds (also used 0.01c) as presented in their deck.
They're a few orders of magnitude difference.
Also, there's plenty of resources around on interstellar travel that shows interstellar dust/debris is going to be a huge problem.
For example Atomic Rockets, which has a bunch of good reference materials (albeit poorly organized), or the Astronomy Cafe
https://sten.astronomycafe.net/at-what-speed-does-the-inters...
Everything is consumed on such a voyage. If we can send a generation ship at 0.01c, we can send replacement parts quicker and probes ahead to verify our estimates even faster.
There's no free lunch. Every gram of mass that you want to get to interstellar space requires exactly as much fuel to get there as you'd have to add to the original spacecraft to just carry it.
(thought experiment - have them fly side by side, then connect them by string, then shorten the string until they touch, then weld them together - the fuel required doesn't change at any point).
And a shield + a resupply ship has a lot more grams than just adding the shield to the original thing.
Whipple shields [1].
[1] https://en.wikipedia.org/wiki/Whipple_shield