So, no such thing as meteor showers?
https://www.amsmeteors.org/meteor-showers/meteor-shower-calendar/
These are known showers that hit Earth on a regular basis. Quite a few.
We have to assume that major systems will get a through scouting and likely safety warning/clearing process in common space lanes, particularly jump ingress/egress paths.
So everything will be nicely marked and cleared and no problems.
However, out on the frontier or Amber Zones without full support or Starport E/X enviornments are NOT likely to have every swarm mapped.
You go barreling through one of those at .01 C or more and likely you won't run into them, but go too fast and run into them and you got just a 1-G capability, you can be in serious trouble.
That's your practical limit, especially outside civilization.