For most materials, my retraction is between 1-2mm only. Direct drive printers don’t need much retraction. The exceptions are materials like TPU (NinjaFlex, PolyFlex, etc.) and if I use PVA for support I find that needs a little more retraction.
But when I use PVA I have to be careful to turn down the max retraction number and retraction window size. I think it defaults to 99 (which basically means unlimited). That’s the number of times Cura can call for retraction over the same bit of filament. On some materials if you go back and further too many times without extruding enough filament to be on a clean piece, the hobb gear chews into the side of the filament and tears it up … and can cause a jam.