There’s no right or wrong in it, it’s all just subjective. I think anywhere between 6000k and 4000k could be considered neutral-ish and appear white depending on how well your eyes are adjusted to the CCT at that time.
Direct midday sunlight is around 5500-5700k, while diffused daylight is around 6500k. Direct sunlight at mornings and evenings is more around 4-5000k.
In flashlights, I consider 5000k pretty damn neutral, anything 6000k or above cool white, and anything 4000k or under warm white.