I only use sensitivity of 30. I saw a video where a guy had a long standing test garden and was still hitting dimes at 8" on sensitivity 0. At 30, I get no chatter (I don't have the upgraded version).
Most of the time I discriminate out iron and foil, so disc at 25, I think. I understand the argument about small gold in the foil range, I just don't care, I'm fine missing those items.
I use 3 tone as well.
I use default program most of the time. In newer parks and soccer fields, I tend to use jewelry mode.
These are my common settings. I actually decide at each location how I'm going to run my machine based on the type area I'm going to search and how old it dates.
My only suggestion is that you dig any clean tone when the VDI doesn't move, regardless of the number it shows.