No a dumb question.
If the person knows how to hold, you should def. go 100% power, explosiveness and speed.
I am also a big guy, 100 kilo, 193cm, and pads holders in the west is a problem. Even in gyms in thailand I can see thais are discussing who's going to hold for me, or who will clinch with me. Even if I don't speak thai, it's easy to see that the like manager is saying, like, "you go" and he's like, "fuck that, did you see him, send this guy" and so on and so forth. I mean, it's no fun to hold pads for any hard hitter.
In the west. I try to have the same training partners who are more advance and can actually hold pads.
The key is, don't train with newbies. But it's not always possible. Personally, if I see I'll have to train with a newby, I'll just go train on the bag. I might seem like an asshole, but bad pads holding lead to injuries, in the elbows, hips and so on, because the pads are not where they're supposed to be, or because they hold them too softly.
If I have to train with a bad holder, then I'll practice good form and go to the bag after the class. Otherwise, I go with the face of the the person, start medium and go harder until I see in their face that it is enough. So funny our it's only partly related to the size of the person. Some pretty big guys will complain before some very tiny women. Anyways, good luck.