I agree with kangaroo here.
Grad school admission is a holistic process, which means there isn't a series of check boxes that you have to meet in order to get into any particular school. It's also not a numbers game where the goal is to have the highest overall number than other candidates.
The ultimate goal of the admissions committee is to pick the candidates they believe have the best potential to succeed and excel in their graduate program. With this framework, there is no advantage that a 4.0GPA will have over a 3.95GPA. If it comes down to you and another applicant for the final spot, a 0.05GPA difference is going to be the tiebreaker.
Fun fact: I am at a top 10 program with a good GPA overall, but several Bs in important physics courses, including the ones that relate to the research I've applied for. However, I have strong research background in this topic.
If you want to know a number anyways, I think the minimum GPA you should have before you consider spending the time and money applying for the top 10 programs is 3.50.