What settings do you all use for Career Mode? (Financial Takeover, Board Expectations, Dev Rates)

Starting a new manager career and trying to dial in my settings before I get too deep into a save. Curious what everyone else runs with:

** **Financial Takeover: do you turn this on? If so what amount? I've got it set to $100,000,000 right now but not sure if that's too generous or too tame.
Board Expectations: Strict, Normal, or Lenient? Does Strict actually make the game harder in a meaningful way or is it more just flavor/pressure?
Development Rate (Seniors) and Development Rate (Youth): Normal across the board for me currently. Anyone bump Youth up to speed up rebuilds, or keep it Normal for realism?
Also running Deeper Simulation and Manager Market ON, Unexpected Events ON, Localized Commentary OFF, curious if those are the "meta" choices or if I'm missing something.