It really depends on the user, the region etc.
In my bicycle map I consider fine_gravel cycleways as paved because my users are mainly touring cyclists and those paths are (at least in my region) excellent for touring. But not suitable for racing bicycles, for them those cycleways are unpaved.
I would suggest to make it unpaved for generic use and use a regular expression sytax to catch all combinations. In my OFM I solved this by using
surface ~ '.*(ash|bad|clay|cob|compact|dirt|earth|erde|gr|loam|mud|peb|sand|shotter|rock|turf|unpaved).*'