Right now we have three items out. That's fairly average.
Our library is 90 minutes away. The limit per-card is 10 items, and only my kids are entitled to free cards. Only one of them tends to be available to do the big drive and actually get to the library, so we're limited to 10 items with the one card. The loan period is 2 weeks, 1 week on media. While we can now renew books on-line (this is new!) it's still tough to get things returned.
So our library use is pretty minimal.