Hrm, I’m not sure I fully understand what you’re asking above.
But I can offer that adding “Options -Indexes” can certainly be a good thing – and any security scanning software will raise a flag if it discovers a directory listing.
Having “AllowOverride None” means that your users can’t use .htaccess files – which otherwise allow users to “override” Apache settings.
As far as what’s reasonable – that all depends on what features you’re currently utilizing
If your users are making use of .htaccess files, and you add in the “AllowOverride None”, that’ll break the htaccess files.