0.0004 is much faster but it was my mistake, my lora rank was at 128 and my network alpha at 16 that means that I had to increase the lr up to 0.0004 to match the dr. Furkan settings, just use one of his lora configs and you are good to go. lora rank 128 alpha 1 or rank 128 alpha 128 is the same setting, because 128 divided 128 equals 1, all this iinfo is kohya's documentation