Question on Possible FOR Loop Condition Conflict

Hello everyone, I've got a question about how to deal with a potential problem when using a FOR loop.

The script below is what I'm using to fade out a loading screen and transition to the in game UI. The script works, but there is a potential problem between the two values of the FOR loop and IF statement if deltaTime had a large value (say the game temporarily froze or had performance issues and the value spiked as a result of it), the IF statement would never be executed.

What is the more intelligent way of dealing with this? Perhaps making the IF statment value something like: 0.5f + (value * time.deltaTime)?

Any advice is appreciated.

     public IEnumerator FadeToGame (float time) //after load is done, wait then fade into game (loading screen -> clear), 
     {
         yield return new WaitForSeconds (time);
         
         for (float counter = 1; counter >= 0.05f; counter -= fadeInFromLoadingScreenSpeed * Time.deltaTime)
         {
             Debug.Log ("the value of speed * delta time is " + (fadeInFromLoadingScreenSpeed * Time.deltaTime));
             //Debug.Log ("counter is " + counter);
             panelLoadingScreen.alpha = counter;
             yield return null;
         }
         
         if (panelLoadingScreen.alpha <= 0.065f) //hopefully within the margin of error of deltatime, 
         {
             //Debug.Log ("turning off loading screen");
             panelLoadingScreen.alpha = 0;
             cameraLoadingScreen.SetActive(false); //make sure this is off since it is only needed at beginning of games, 
         }
     }