Also worth noting that while the maximum speed with automatically controlled deceleration is 75% throttle, you can safely go faster than that depending on why you're approaching.
If you're just trying to get a surface scan, 75% lets you travel in a straight line and carry out the continuous scan (and once the scan's started you might want to slow down or stop anyway so you don't get caught too deep in the gravity well)
If you're trying to *land* you can get into orbital cruise much faster by travelling at 85-99% throttle but taking a spiral path. Also works for approaching stations or USSes. The optimal path depends quite a bit on your ship, your destination, and if any other large masses (cobinary planets, moons, gas giants, etc.) are nearby - but as a starting point, try to keep the destination about 40 degrees above your direction of travel (just over the top of the screen if playing on a monitor - you'll need to use the compass and/or headlook a bit) and the rest will come with practice.