You really only need dirty_ratio/bytes and dirty_background_ratio/bytes set to something lower than default. It also makes your progress bars show values closer to reality, especially when copying from fast to slow media.

Some distros already do set lower defaults, e.g. pop os:

https://github.com/pop-os/default-settings/blob/master_noble...

Bazzite: https://github.com/ublue-os/bazzite/blob/main/system_files/d...