It depends on what percentage of records will have text to store.
TEXT column types use L+2 bytes to store a value, where L is the length of the text in the column. I assume an empty TEXT column will take 2 bytes.
I also assume you're using columns of type INT (which requires 4 bytes per record) to relate the two tables.
If you store the text in the main table, the total storage required with the TEXT column in the main table is 2 bytes per record plus the total number of bytes of text stored for all records.
If you have the TEXT column in a separate table, the storage will be 6 bytes (4 for the relating INT, 2 for the TEXT) per record plus the total length of all text stored.
Let R be the number of records and P be the percentage of records that contain text. Since the total number of bytes of text stored is the same, the formula looks to me like:
[tt]
2 R > 6 RP
2 > 6 P (assuming R not zero)
2/6 > P[/tt]
It looks like 1/3 of the records' having text is the break-even point. If you anticipate that less than 1/3 of your records will store text, use a separate table.
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