Great post! One thing to note for people new to Hive and or Splinterlands you should not be concerned very much with the KE ratio. Ratio of 3 and above means that you have received a bunch of rewards in the past and took it out of Hive and that is when you need to think about changing rewards to 100% power up and/or buying Hive.
If you are a new Hive user coming in as a Splinterlands player you can simply leave the default value of 50% HP 50% HBD and don't worry about it, because if you are starting from zero under these settings your KE ratio will equal 2 which is under the maximum recommended KE ratio of 3. 100% Power up means you are trying to grow your Hive Power as much as you can and staking all the HIVE you receive as author rewards. I am doing that and that would result in KE ratio of 1, but that is not talked about as required here.
RE: Understand KE Ratio and New Splinterlands Challenge Rules