When to write numerals as words
This issue has caused me more migraines than most when it comes to my writing. I always felt bound by that "under ten, write it out" rule until I saw a grammar and style book that recommended using words for numbers up to twenty and yet another book that recommended going all the way to one hundred. Clearly, the jury is out, even among the experts.
I'd like to suggest what works for me: As I am reading a novel, I pay attention to how numbers are handled. For example, I had been using numerals for times of the day, but then I noticed in print they were always spelled out. 1:30 = no; one-thirty = yes. I must admit that the words look better on the printed page. I'm beginning to think numerals are mainly for academic papers (research discussions, etc.)
In any case, be sure to remember one hard-and-fast rule: You must use a word for the number if it comes at the beginning of the sentence:
21st century technology is confusing for many older people. No
Twenty-first century technology is confusing... Yes
(And by the way, everyone should have a reference larger than S & W. Check out the latest edition of The Gregg Reference Manual by Wm. Sabin. It's over 600 pages (or is that six hundred...), but has an excellent index and I found his answer to the "number with century" problem in about 10 seconds: Use words.)
One final thought. Maybe it's best to do what you think looks good and leave something for the editors to correct. They need to feel the love, too, you know.