OnesieXL is focused on photorealistic images, but is also useful for illustrative images. I use it without the refiner. It has sdxl_vae embedded. It is an iterative merge of several photographic XL checkpoints that I was using at the time.

I suggest not using a refiner and using the Add Details XL LoRA. Clipskip 1 for photorealism and Clipskip 2 for illustrations