The thing is, 90% coverage is not that great. What happens is that you understand common words that make up for a lot of structure, but when an uncommon word appears it's probably important to the sentence. For example, "son, if you go to the plumbf tomorrow morning don't forget to pick up some zlonks." 98% is closer to what you need in order to read a text and have an idea of what's going on. See this article: https…
I would guess (based on not-too-rigorous anecdotal experience) that the optimal level of word familiarity for most rapidly improving listening comprehension when read-to 1:1 is closer to 90% than 98% (but with the caveat that books should be re-read several times). The big difference is that having someone to talk to makes it very quick and easy to ask what words mean and discuss other aspects of the story.
When read to for an average of 1+ hour per day, young children improve at listening comprehension very quickly.