Sorry for the delay, but I am not the admin on a couple of the servers.

Our server is set exactly as the officials except there is no decay. We wanted the same game play, but without the toxic players.
The ladies play with the same as officials as well. No decay
Sai has his set the same, but with 4x experience
I checked with two other people, and their servers are all set as officials. 28 day decay on one, no decay on the other.

It appears a lot of people like the official settings, but not the problems that come with some players.

What are you playing? PC, PS5, Xbox?