Most of my goals have auto retroratchet, pledge caps, and a couple have no mercy turned on.
When you’re in the red, it’s real easy to to say uncle and turn off the no mercy/and change pledge cap if you know you’ll derail two days in a row, so that you can get rid of some of the sting. I’m glad that I didn’t but would like to reinforce the ability to say “hey I really mean business” with this goal and make the settings that can be changed on the fly to be changed only with the proper Akrasia [horizon].