Trust me, man. I wish I didn't go down that rabbit hole either, but I trust the judgments of most of the slider guys in this forum. The fact that most of them have Contact set at or near default means there's a reason for it.
I want to be clear, though. If you are getting good results with Contact at 3, by all means, continue with that! The beauty of sliders is the ability to adjust on the fly. So, if you're getting good results/realistic stats, keep on rolling with them! And if you a get to a point where you plateau, then you can always adjust.

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