On tip downs I think 4# is just about right. I have some hi-viz Dave Gentz line in 2#, but it is about the same diameter as 6#.
On tip downs I want hi viz, so I have a chance to deal with the line in the low light conditions I fish in. Especially with tip downs, I want a nice limp line. I use as little lead as possible on the line and a #14 or #12 treble. The idea here is to give the fish no clue that there is anything but a nice wounded minnow. The only way to deal with coiled line (that you can't stretch) is to add enough lead to pull the coils out. Trouble is, that with that terrible gentz line, I have to add so much lead, the fish can feel the lead and spits the minnow. I am having my best luck with fireline ice 2lbs/6lbs. I add a swivel and and a two or three foot leader of 2lbs mono. I hate this line for jigging, but am very impressed with it on the tip downs.
Getting back to the original question, I fish for crappies in 15 to 20 fow at night. I think line diameter matters a lot more than reflective index. I jig for crappies with sewing thread. It works fine, and is so cheap compared to ice line, I feel like I am stealing. All mono needs to be stretched to take the coils out. Old line has no stretch left in it. I toss out the coiled 20' of line every month or so. The thread is no different in this regard, except that at a penny a yard, I can change it as often as I feel is required.