Because of the large number of factors, many listed above, you need to apply engineering judgement to pick a value in the aforementioned ranges, say 0.25 - 0.80 approx. Design for the future conditions after years of the expected maintenance. Factors to consider are: size of the storm analyzed, porosity and depth of gravel (e.g. storage potential relative to storm size), potential for ponding (e.g. degree of maintenance in the parking lot), slope of the parking lot, permeability of underlying base material, potential for sediment sealing/clogging the gravel surface over time, etc.
If you pick a number higher than reality - so what? You have excess capacity in your conveyance system, albeit maybe some extra cost (but not likely to be much).
If you pick a number lower than reality, runoff may overwhelm the designed conveyances and cause flooding.
Another consideration, if you are sizing conveyances, is that the owner could come back and pave over this lot in the future without an engineer's involvement to re-analyze drainage, so bumping up pipe sizes to account for the ultimate surface condition may be desirable.