If it is damaged only 5% then you are going to want to repair it as then your durability will be 195%. As announced repairs done by crafters will repair 100% durability or a maximum of 199%. My guess is that you cannot repair the gear until it is 99% or less. I am definitely looking forward to this change.
So if you are 5% damaged you will be at 195%, if you are 90% damage the repair will take you to 110%.
That is my understanding based on the maximum durability in the previous announcement.