other experts will have to chime in, but what I can remember, some of my settings are:
water - medium
civ traffic - none
clutter / grass - 0
pre-load radius - I think mine is 50% of what you have
trees - same as the pre-load radius...
chimney density - 0 (or whatever the lowest setting is, 1?)
Next time I'm by my computer, I'll look to take screen shot...