My rule of thumb is 3 to 1. If I'm leaving the boat, I want more than that.
I have 25' of chain and then nylon line marked every 25 feet. At the sandbar, I just use the chain. In 15' of water, I pay out all the chain and stop after the first mark on the rope. At 25' of water, I go to the second mark.
If no one is around or expected I go another 25', but once you get that much line out you are going to move around in any breeze. We hardly ever anchor much deeper, mainly because we will sail around too much. Our boat doesn't lie quietly downwind, it sails all over the place.
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